A hospitality group with multiple hotels across Malaysia was carrying a patchwork of high-cost loans. With Lumina Fintech’s AI loan refinancing and AI credit assessment, the group restructured key facilities, reduced its effective interest burden, and freed up cash to reinvest in guest experience—achieving estimated savings of RM3M over the life of the loans.
estimated total interest savings after refinancing key hotel facilities with AI-matched lenders
The group had several secured loans against its hotel properties, many arranged when rates were higher or terms less favourable. Management suspected that refinancing could unlock savings, but the team lacked time and tools to compare offers from multiple lenders, run “what if” scenarios, and understand the true long-term impact on cash flow and covenants.
Lumina Fintech digitised the hotel group’s financing picture, capturing facility-level details, collateral, and repayment patterns. Our AI credit assessment engine then evaluated refinancing headroom, while AI loan matching identified lenders with strong appetite for hospitality assets. Together, we designed a refinancing plan that blended lower pricing with tenures and covenants aligned to seasonal occupancy.
RM3M in projected interest savings over the life of refinanced hotel loans, based on lower margins and optimised maturities.
A more predictable repayment schedule aligned to occupancy and seasonal revenue patterns.
Reduced refinancing risk and improved relationships with lenders better suited to hospitality assets.
Leadership now uses Lumina’s dashboard to continuously monitor loan performance and identify further optimisation opportunities.
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."
