AI funding readiness · by Real Innovative Capital
Lumira guides you to a lender-ready package and matches your need across 3,000+ funding partners — with the RIC team reviewing and underwriting in between.
Bank-grade encryption · No credit pull to start · Private by default
Whether you're chasing capital for your own business or managing funding for a book of clients, Lumira does the heavy lifting.
Bring a funding need — Lumira figures out the deal, builds the package, and matches you to partners who fund exactly that.
Manage every client's funding in one place — each deal walled off in its own private workspace, with Lumira driving readiness across your whole book.
A preview of the kinds of opportunities on the Lumira marketplace — each reviewed by the RIC team before it's listed.
Quick-service restaurants
$1.2MSBA 7(a)
Multi-unit quick-service franchisee acquiring two locations and building out a third.
Established franchisee with a proven multi-unit track record.
Precision manufacturing
$650KEquipment finance
Precision machining shop financing new CNC equipment to take on larger contracts.
Long-tenured operator with a contracted order backlog.
Healthcare services
$3.4MWorking-capital line
Outpatient medical group funding working capital and a second clinic location.
Recurring patient revenue with strong payer mix.
Commercial real estate
$5.8MCash-out refi
Stabilized commercial property refinancing out of a maturing bridge loan.
Stabilized asset with in-place leases and strong occupancy.
Logistics & distribution
$900KWorking-capital line
Last-mile delivery operator opening a credit line to fund fleet and payroll.
Contracted routes with predictable, recurring volume.
Boutique hospitality
$2.1MReal estate + WC
Boutique lodging group acquiring real estate and funding a seasonal working-capital cushion.
Seasoned operator with consistent seasonal cash flow.
Borrower identity and documents stay private until a signed-in, vetted funding partner opens them.
One guided loop — Lumira gets you ready, RIC reviews and underwrites, and the right partners fund it.
Start a conversation — no forms, no credit pull. Lumira detects your deal type and the shape of the package it needs.
Get it, build it, or derive it — Lumira can even auto-fill from your tax return. You always know exactly what's next and why.
A short core set is enough to be lender-ready. Lumira tells you the moment your profile is strong enough to move.
The Real Innovative Capital team reviews your package and underwrites the deal, so what reaches partners is already vetted.
Lumira matches your need across 3,000+ funding partners and lists the deal so the right capital can fund it.
Real Innovative Capital is a funding team — not a funding algorithm. We use leading-edge AI to carry the heavy part of a deal: the intake, the documentation, the underwriting grind that stalls most financing before it ever reaches a lender. That frees our people to do the part that matters — understanding your deal and matching it to the right lenders across 3,000+ funding partners.
We don't blast your deal to everyone with a pulse. Our team reviews and underwrites it first, then puts it in front of the partners most likely to actually fund it — the way a great broker would, at the speed AI makes possible.
Lumira handles the paperwork burden — gathering documents, organizing the package, pre-underwriting — so nothing slows your deal down. But every judgment that reaches a lender was shaped by a person, not a model.
We never sell your data. We don't spam you. What you share is used to fund your deal — and nothing else. No hidden list, no resale, no noise.
Not another upload portal — an executive that takes the funding process off your plate.
You have a conversation with Lumira, not a 40-field form. It asks for what matters, in the order it matters.
Missing a document? Lumira generates it, derives it from what you've shared, or shows you exactly how to get it.
Documents are envelope-encrypted at rest. Borrower identity stays private until a vetted partner opens a listed deal.
Start a conversation with Lumira. No credit pull, no commitment — just the fastest path from a funding need to funded.
