CARMEL, Indiana — June 25, 2026
Executive Summary
Baker Hill has announced a strategic partnership with Lumos to integrate predictive credit intelligence into its small business lending platform. The collaboration combines Lumos’ Prime+ score with Baker Hill’s AI-driven lending ecosystem, enabling banks and credit unions to strengthen credit evaluation, improve portfolio oversight, identify qualified borrowers, and support lending growth through a more data-driven approach while maintaining institutional control over lending decisions.
Announcement Overview
Baker Hill and Lumos have entered into a strategic partnership designed to strengthen small business lending through predictive analytics and integrated financial technology. By bringing Lumos’ Prime+ predictive credit intelligence into Baker Hill’s SMB Digital Experience and broader Data Pond™ strategy, the companies aim to provide financial institutions with enhanced visibility across origination and portfolio management. The collaboration also introduces an introductory backtest program for eligible Baker Hill clients, allowing institutions to evaluate historical lending performance against Lumos’ predictive model while identifying opportunities to improve portfolio performance, lending efficiency, and long-term yield.
Key Announcement Details
- Announcement Type: Strategic Partnership
- Companies Involved: Baker Hill and Lumos
- Announcement Date: June 25, 2026
- Industry: Financial Technology (FinTech)
- Primary Focus: Predictive credit intelligence for small business lending
- Core Integration: Lumos’ Prime+ predictive credit score integrated into Baker Hill’s SMB Digital Experience
- Platform Strategy: Expansion of Baker Hill’s Data Pond™ strategy with predictive analytics
- Primary Customers: Community banks and credit unions
- Target Borrowers: Small business borrowers
- Key Capability: AI-powered predictive credit intelligence throughout loan origination and portfolio monitoring
- Key Benefits: Improved borrower qualification, enhanced credit decision-making, portfolio growth, higher yield potential and expanded lending opportunities
- Additional Offering: Introductory Lumos Prime+ score backtest for eligible Baker Hill clients during the initial launch period
- Operational Advantage: Small business loan origination in less than one minute for many Baker Hill clients
- Technology Highlights: Predictive analytics, real-time lending insights, portfolio monitoring and data-driven decision support
- Lender Control: Credit policies and lending decisions remain under the control of each financial institution
- Strategic Objective: Expand AI-driven lending capabilities while modernizing the small business lending experience
Strategic Partnership Expands Small Business Lending Capabilities
Baker Hill announced a strategic partnership with Lumos to broaden the capabilities available to banks and credit unions serving small business borrowers.
The collaboration brings together Baker Hill’s commercial lending technology and Lumos’ predictive credit intelligence platform to support financial institutions throughout the lending lifecycle. According to the companies, the partnership is intended to help lenders make more informed credit decisions while improving operational efficiency and portfolio performance.
The announcement reflects Baker Hill’s continued focus on expanding technology available to financial institutions through integrated solutions that support lending growth and risk management.
Integration of Predictive Credit Intelligence into Baker Hill’s Platform
The partnership incorporates Lumos’ Prime+ score into Baker Hill’s SMB Digital Experience, allowing predictive insights to become part of both loan origination and ongoing portfolio monitoring.
According to the companies, the integrated approach enables lenders to evaluate borrower information using predictive analytics while continuing to apply their own internal credit policies and lending standards.
The integration is designed to support:
- Predictive credit assessment during loan origination
- Continuous monitoring throughout the life of a loan
- Improved visibility into portfolio performance
- More informed lending decisions supported by predictive analytics
- Enhanced opportunities to identify qualified borrowers
The companies stated that lending authority and final credit decisions remain entirely under the control of each participating financial institution.
Strengthening Baker Hill’s Data Pond Strategy
The partnership builds upon Baker Hill’s existing Data Pond™ strategy, which focuses on helping financial institutions maximize the value of their lending data.
According to Baker Hill, combining predictive intelligence with centralized lending information enables institutions to create a more complete understanding of borrower performance while uncovering additional lending opportunities.
The expanded capabilities are intended to help institutions:
- Leverage existing lending data more effectively
- Identify additional product opportunities
- Improve lending confidence
- Support portfolio expansion
- Increase portfolio yield through data-driven insights
Faster Digital Lending Experience
The companies stated that many Baker Hill customers already benefit from an accelerated digital lending workflow.
According to the announcement, qualifying small business loans can be originated through Baker Hill’s lending platform in less than one minute, helping institutions reduce both borrower acquisition expenses and origination costs.
The integrated predictive capabilities are expected to complement this digital lending experience by providing additional analytical insight throughout the lending process.
Introductory Lumos Backtest Program
As part of the initial rollout, eligible Baker Hill clients will have access to an introductory Lumos Prime+ score backtest.
According to the companies, the analysis enables financial institutions to compare previous lending decisions against Lumos’ predictive model.
The backtest is intended to help participating institutions:
- Review historical lending performance
- Identify previously missed lending opportunities
- Evaluate portfolio quality
- Measure potential improvements through predictive decisioning
- Support future lending strategies using analytical insights
The companies stated that this evaluation provides institutions with additional information before broader adoption of predictive decisioning tools.
Executive Commentary from Baker Hill
Andy Ivankovich, Chairman and Chief Executive Officer of Baker Hill, said:
“We believe the future of small business lending belongs to institutions that can turn data into better decisions.”
He also said:
“By bringing predictive decisioning into our SMB Digital Experience, we’re giving financial institutions practical tools to grow small business portfolios, increase yield and expand access to capital without adding complexity or cost.”
According to Baker Hill, the partnership aligns with its long-term strategy of helping financial institutions unify lending information while improving operational efficiency and customer service.
Lumos’ Predictive Credit Intelligence
Lumos develops predictive credit intelligence solutions focused on small business lending.
According to the company, its Prime+ score analyzes thousands of data elements and information sources to generate predictive insights supporting lending decisions.
The platform is designed to assist financial institutions with:
- Credit evaluation
- Portfolio monitoring
- Working with predictive lending data
- Identifying emerging portfolio trends
- Recognizing growth opportunities across lending portfolios
The company noted that the solution supports lending analysis while allowing institutions to retain full authority over lending policies and approval decisions.
Executive Commentary from Lumos
Brett Caines, Chief Executive Officer of Lumos, said:
“We built Lumos to help lenders unlock the power of predictive analytics in small business lending.”
He added:
“Combined with Baker Hill’s digital lending capabilities, institutions can accelerate originations without compromising credit quality, reach more qualified borrowers and grow their portfolios with greater confidence.”
The company stated that integrating predictive analytics with digital lending workflows is intended to support stronger lending outcomes while maintaining operational efficiency.
Unified Approach to Lending and Portfolio Oversight
According to the companies, the partnership creates a more unified framework for managing the complete small business lending lifecycle.
The integrated solution brings together multiple lending functions, including:
- Application intake
- Credit evaluation
- Decision support
- Portfolio monitoring
- Predictive analytics
- Ongoing portfolio oversight
The companies stated that consolidating these capabilities into a connected environment enables financial institutions to modernize lending operations while supporting long-term portfolio growth.
Commitment to AI-Driven Business Management
Baker Hill stated that the partnership further reinforces its ongoing investment in AI-driven business management technology.
Building upon its previously introduced aiERP capabilities, the company is expanding the use of artificial intelligence within lending workflows by incorporating predictive cash-flow and credit intelligence into its broader technology strategy.
According to the announcement, the collaboration supports financial institutions seeking greater operational efficiency while helping lenders manage risk, improve portfolio quality and expand access to capital for small businesses.
About Baker Hill
Baker Hill provides commercial lending technology solutions for banks and credit unions throughout the United States. Its platform supports loan origination, risk management, analytics and digital lending while processing more than $7 billion in lending originations each month. Headquartered in Carmel, Indiana, with operations in Santa Barbara, California, Baker Hill serves financial institutions through technology designed to improve lending efficiency, strengthen customer experiences and support business growth. The company is backed by Flexpoint Ford and serves organizations seeking scalable commercial lending technology.
About Lumos
Lumos develops predictive credit intelligence and portfolio monitoring technology for small business lending. Its platform combines proprietary scoring models with data-driven analytics to help financial institutions strengthen lending decisions, monitor portfolio performance and improve access to capital for small business borrowers. The company’s solutions connect with banks, enterprise systems and financial applications to provide continuously updated lending intelligence that supports finance teams, business owners and lending professionals.
Media Contact
For additional information, visit bakerhill.com.
Source Attribution
Source: Company announcement
