Spend leakage is a control problem, not a card problem.
We built Lumora to close the gap between issuer cards and procurement suites. No rip and replace required.
Why we built Lumora
The mid-market finance stack is fragmented. Issuer cards (Ramp, Brex) are great if you want to throw out your existing card relationship and start over. Procurement suites (Coupa, Vendr) are great if you want to redesign how every dollar gets approved. Neither is acceptable to a finance team that already has a card program working and just wants the leakage to stop.
Meanwhile, AI tool spend is exploding. Every department is signing up for ChatGPT, Cursor, Claude, Midjourney, and ten other AI tools. Usually on personal cards reimbursed through expense reports, or on shared corporate cards with no policy. Most CFOs cannot answer the question: how much are we actually spending on AI right now?
Lumora answers that question. At the transaction level. Across every employee, subscription, vendor, and deal. Without a single re-issued card.
How we're different
vs Card-replacement platforms
We don't ask you to re-issue cards or re-train your AP team. Lumora runs on top of any issuer.
Ramp, Brex, Divvy
vs Procurement suites
We don't ask you to change how you buy. Lumora layers on after the purchase to catch policy violations and shadow spend.
Coupa, Vendr, Tropic
vs Spreadsheets and manual review
We don't ask your finance team to be the policy engine. Lumora's AI flags the issues in real time.
Anything that ends in .xlsx
Security & trust
We are pre-formation but architecturally serious. Lumora is built on a multi-tenant, zero-trust foundation with per-tenant data isolation, signed audit trails, and an opt-in shared fraud graph for cross-tenant signal. SOC 2 Type II is in progress. GDPR readiness is on the roadmap.
Founders & team
Founders & team coming soon. Want to talk to us directly?