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Lumora
About Lumora

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.

A 30-minute, finance-led call to map your AI & SaaS leakage and scope a 7-day Leakage Map. No card migration.

  • No card migration
  • Read-only access
  • Refundable or credited
  • SOC 2 Type II in progress

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 alongside the issuer relationships a team already uses.

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

Lumora is built around tenant-scoped finance data, audit-ready decision trails, and optional privacy-minimized network intelligence. SOC 2 Type II work is in progress, and GDPR readiness is on the roadmap.

SOC 2 Type II in progressGDPR roadmapMulti-tenant isolationAudit-ready logsOpt-in shared graph

Common questions

What Lumora is best for

Use Lumora when the problem is governance across an existing finance stack, not replacing every system at once.

Why was Lumora built?
Lumora was built for finance teams that need spend controls across cards, SaaS, AP, and AI tools without replacing the card program or forcing a procurement-suite rollout.
What makes Lumora different?
Lumora focuses on the control layer: visibility, policy simulation, enforcement workflows, and CFO-ready attribution across existing systems.
Is Lumora a vendor management or invoice approval system?
No. Lumora can surface vendor overlap, shadow SaaS, and spend-policy exceptions, but it is not a vendor management platform, contract lifecycle tool, bill-pay system, invoice approval queue, or source-to-pay workflow.
When is Lumora not the right fit?
Lumora may not be the right fit for teams that need a procurement suite, source-to-pay vendor intake, vendor management, contract lifecycle management, invoice approvals, pure AP automation, expense reimbursement software, employee reimbursement workflows, full T&E expense management, treasury or yield management, travel booking, a brand-new card issuer, guaranteed support for a specific integration before onboarding, or completed SOC 2/GDPR certification before evaluation.

Founders & team

Talk directly with the team building Lumora and ask how the control layer fits your finance stack.

  • No card migration
  • Read-only access
  • Refundable or credited
  • SOC 2 Type II in progress

See the leakage for yourself.

A 7-day assessment maps spend across cards, SaaS, and AP. No card migration required.

  • No card migration
  • Read-only access
  • Refundable or credited
  • SOC 2 Type II in progress

Start with a refundable 7-day Leakage Map, then a 90-day Control Pilot. No card migration. No multi-year lock-in.