Headless by design.
Every capability is a versioned REST API. You build the front end. We build the engine.
Asset Finance Platform
The platform built for lenders who know what they want.
A headless, multi-tenant SaaS platform for asset finance lenders. HP and PCP loan lifecycle management, from application to settlement, through one well-designed API.
The context
The platforms most lenders are running were not built for the world they now operate in.
Legacy systems were not built for this.
Most asset finance lenders are running loan management systems that predate the Consumer Duty, the Open Banking era, and the API economy. Migrating off them is painful. Staying on them is expensive.
Build-your-own is a full-time job.
Proprietary platforms made sense five years ago. Today that means a permanent engineering team maintaining bureau adapters, Bacs compliance, CCA notice generation, and payment integrations, so they can run a lending business.
Off-the-shelf often means off-strategy.
The alternatives tend to impose their operating model on yours. Fixed workflows. Opaque decisioning. Limited API access. Lumonaut does not work like that.
Platform highlights
What Lumonaut does differently.
Thirty-one modules. One API contract. Everything from CRA decisioning and e-signature to Bacs direct debit and TrueLayer Open Banking is native to the platform - not a third-party tab, not a bolt-on, not a separate contract.
Configurable workflow engine.
Define your exact origination and servicing process using pre-built nodes. No code required.
Full FCA compliance, built in.
Regulated workflow guardrails, CCA notice generation, CONC 5 affordability. Not bolt-ons.
Three CRAs, one integration.
Experian, Equifax, and TransUnion. Tenant-configurable strategy per product and risk tier.
TrueLayer Open Banking.
AIS income verification and PIS payment initiation. One integration, both directions. No separate provider contracts.
Isolated per-tenant sandboxes.
Connected to real third-party test environments. Not mocks. Build with confidence before go-live.
The loan lifecycle
From the first application to the last payment.
The platform covers the complete loan lifecycle for HP and PCP asset finance. Every stage is an API. Every event is logged.
Configurable workflow engine
Your operating model. Our infrastructure.
Define your loan origination and servicing processes using a library of 30+ pre-built workflow nodes: credit search, affordability assessment, e-signature, funder allocation, direct debit setup. Connect them in any order. Set the conditions. The platform enforces your logic and the FCA's in the same execution.
Explore the workflow engineBuilt-in regulatory compliance
The platform will not let you skip the important parts.
Pre-contractual information delivery is an enforced prerequisite to agreement generation. Section 87/88 default notices carry a hard enforcement block until the 14-day remedy period elapses. Annual statements track against the statutory window. These are not configurable away.
Read the compliance framework
Per-tenant sandbox environments
Test against the real thing.
Every tenant gets a fully isolated sandbox connected to third-party test APIs: Experian, Equifax, TransUnion, TrueLayer, CAP HPI, and Bacs bureau test environments. Not mocked stubs. Real behaviour before production.
See what's in the sandboxBuilt on AWS. Designed for the FCA. Trusted by lenders building for scale.
The engine is running.
Take a look under the bonnet.
A working environment, not a slide deck. We will walk you through the workflow engine, API design, sandbox, compliance configuration, funder allocation, and migration tooling, against your use case, not ours.
Get a demo