Here you can find papers, videos and links to great content from community members on topics such as the 5 C's of Creditworthiness, data privacy, self-regulating communities, and more.

Learn more about our model for building and managing community around economic objectives such as financing or operating a business network based on common goals and mutual trust. 

Our co-founders found inspiration for a Lumenous community from experience with open source projects and collaboration software. Learn more about us and the people who joined us. 




Scores of credit analysts and data scientists from across commercial credit joined us to define a new system of credit and trust.

They share our conviction that the way to bring credit practices into the 21st century is to put businesses in charge.

Thanks to their contributions, small businesses can now access and manage financing and more, all from the same place.