LumosFlow provides an AI‑driven platform that forecasts cross‑border cash flow 30–90 days ahead, monitors FX volatility, and automates compliance tasks such as AML/KYC and tax reporting for SMEs and solopreneurs. The tool delivers real‑time risk alerts, automated invoicing and payment chasing, and scenario planning, helping businesses maintain stable liquidity and make informed currency conversion decisions.
Funding
Funding not disclosed
Founders
Product
Problem
SMEs and solopreneurs that operate internationally face unpredictable cash flow due to foreign‑exchange volatility, complex regulatory requirements, and irregular payment cycles. Managing these risks manually consumes time, increases error risk, and can lead to liquidity shortfalls that threaten growth.
Solution
LumosFlow offers an AI‑driven financial co‑pilot that continuously monitors cross‑border cash flow, predicts liquidity gaps 30–90 days ahead, and alerts users to FX swings, regulatory changes, and payment delays. The platform automates invoicing, payment chasing, and vendor/client term negotiations, while also handling AML/KYC and tax reporting workflows. Users can run scenario simulations to evaluate financing options, market expansion, or crisis responses, and receive AI‑generated recommendations for optimal currency conversions and cash‑flow actions. When edge cases arise, the system escalates to human experts, ensuring that complex decisions receive professional guidance. All insights are delivered through a web dashboard and integrated email/API notifications, giving businesses real‑time, actionable control over their global finances.
Target Audience
Primary customers are small and medium‑sized enterprises and solo entrepreneurs that conduct cross‑border trade and need automated cash‑flow management, FX risk mitigation, and compliance support.
Features
- AI‑powered cash‑flow forecasting with 30–90‑day visibility and risk detection
- Real‑time FX monitoring and automated timing recommendations for currency conversions
- Automated invoicing, payment chasing, and AI‑generated negotiation of payment terms via email or APIs
- Integrated AML/KYC, tax reporting, and regulatory compliance workflows localized to each region
- Scenario planning tools that simulate financing, expansion, and crisis strategies with instant impact analysis
- Intelligent expense categorization, anomaly alerts, and burn‑rate monitoring without spreadsheet overhead
- Human‑in‑the‑loop escalation to vetted financial consultants for complex negotiations or regulatory issues
- Embedded financing marketplace offering AI‑curated working‑capital, invoice financing, and revenue‑based loans