A scaling tech startup had layered multiple short-term loans and lines of credit to fund growth, creating a complex and stressful repayment schedule. With Lumina Fintech’s AI-backed loan restructuring and AI credit assessment, the company consolidated and restructured its debt into a clearer, more sustainable profile—freeing up cash to invest in product and sales, and supporting 30% revenue growth.
revenue growth supported by healthier cash flow after restructuring loans with AI insights
To fuel early growth, the startup drew on multiple lenders and products. As the business matured, repayments became hard to track and cash flow was frequently tight around due dates. Founders wanted to clean up the capital stack, but weren’t sure how to structure a new mix of facilities or which lenders to approach for a holistic solution.
Lumina Fintech ingested all of the startup’s existing loan data, repayment history and forecast cash flows. Using AI credit assessment, we identified a sustainable target leverage level and repayment profile. We then used AI loan matching to find lenders open to consolidating multiple facilities and offering structures that matched the startup’s growth curve.
A simplified loan structure with fewer facilities and a repayment profile aligned to the startup’s revenue ramp.
Improved cash flow enabled increased investment in product, marketing and sales—supporting 30% revenue growth.
More confident conversations with investors backed by clear, AI-generated financing scenarios.
Founders now use Lumina Fintech as a planning tool whenever new financing or restructuring is considered.
A weekly, executive-level decision mechanism to guide the process and solve problems as they arise.
"I hired Lumina Fintech for a small project & was very happy. He not only answered all my questions, but he didn't treat me like a 'small project'. I was very satisfied & would recommend."
