A voicemail or answering service
- ✕Takes a name and number for the morning
- ✕Can't build a submission or ask a stip
- ✕Treats the ISO like a cold caller
- ✕Lets startups and junk reach your closers
- ✕Bills by the minute to write down a message
Book a Demo AI RECEPTIONIST · BUSINESS LOAN BROKERS & MCA
The AI receptionist for business loan brokers that answers first, qualifies the merchant, and builds the file.
The AI receptionist for business loan brokers answers every merchant call in seconds, qualifies the deal on revenue and time in business, captures the docs, and books the offer call — on top of your CRM.
- ✓Goal-driven AI agents — every merchant qualified, filed, and booked
- ✓Security & trust built in — every caller verified, every action logged
- ✓270+ platforms, 70+ languages — works on top of your CRM & funders
Live demo line · answers 24/7
(986) 249-0330
Try: “I need $50K for my business by Friday.”
- ✓qualifies the deal
- ✓captures the docs needed
- ✓routes to a funder
No signup, no sales rep — just call it.
CHANNEL
WORKFLOWBook a Working-Capital Lending Review
Take an inbound call from a Northwind business customer who wants to explore a working-capital advance, verify them, find a concrete time with a lending specialist, tell them what to prepare, and confirm the booking.
1 / 5
↓ INBOUND
LIVE CALLHD
LumiTalk AI
Thanks for calling Northwind Pay — this is Elena. How can I help you today?
WORKFLOW STEPS
1
Business customer verified with email and masked account number
In progress
2
Review purpose captured — working-capital advance for inventory
Queued
3
Requested amount noted — approximately $60,000
Queued
4
Lending review booked for Wednesday 3:30 PM video meeting
Queued
5
Kustomer CRM updated and specialist briefed
Queued
RESOLVED
✓Workflow completed successfully
↓ INBOUND — customer reaches inAPPOINTMENT BOOKING AGENT · LIVE AVATAR
Book a Working-Capital Lending Review
Take an inbound call from a Northwind business customer who wants to explore a working-capital advance, verify them, find a concrete time with a lending specialist, tell them what to prepare, and confirm the booking.
Business customer verifiedVerifies the business customer and pulls up their account standingReview purpose capturedFinds a concrete day and time instead of leaving it openRequested amount notedMatches the review to a lending specialist, not general support
Works in
+270 more
+270 more98%
Resolution rate
24/7
Always available
70+
Languages
< 5 min
Avg. handle time
270+
Platform integrations
Keep your stack. Lumi works on top of it.
No rip-and-replace — Lumi layers onto your CRM, dialer & docs. 270+ integrations.
CeCentrexClCloudsquareLeLendSaaSMTMCA TrackOrOrgMeterMSMCA Suite
SalesforceHubSpot
QuickBooksDoDocusignTwilioZaZapierGBGoogle Business ProfileCalendlyRiRingCentral
Mailchimp
SalesforceHubSpotQuickBooksDoDocusignTwilioZaZapierGBGoogle Business ProfileCalendlyRiRingCentralMailchimpThe inquiry loop
Play back your voicemail. It’s the same five calls, submission after submission.
Each one is either a fundable file or a distraction — and the only way to know is a real intake conversation, run the second the phone rings, not tomorrow morning.
- 01“I need $50K for my business this week.”merchant lead
A merchant on a deadline who submitted to four other shops. Whoever builds the file first is usually who funds it.
- 02“What are your rates?”rate call
A price-shopper or a real file — one intake conversation tells you which, and no receptionist should be quoting terms anyway.
- 03“I've got a deal for you.”ISO
An ISO testing your desk. Answer fast and take a clean submission, and their next batch comes to you first.
- 04“I'm ready to renew.”renewal
A past merchant reupping — the warmest file you'll get all week, and the worst one to lose to a voicemail box.
- 05“Do you fund brand-new businesses?”screen-out
A no-revenue startup you probably can't place — the call your advisors shouldn't be the ones screening out.
The merchant with the deadline is the whole business — and they’re also the one who won’t wait. A system should build that file the minute it calls.
What is an AI receptionist for business loan brokers?
It builds the file on the first call — it doesn’t take a message about it.
An AI receptionist for business loan brokers answers every merchant and ISO call the moment it comes in, then runs the shop’s intake: monthly revenue, time in business, industry, funding amount sought, and use of funds. It screens the request against the deals the shop places — restricted industries, no-revenue startups, out-of-box asks — books the offer call with a funding advisor, and writes the file into Centrex, Cloudsquare, LendSaaS, or the shop’s CRM. It answers 24/7 in 70+ languages and hands the deal to a person — and it never quotes a rate, a factor, or an offer, and never promises approval. Pricing and structure stay with the licensed team; Lumi is the intake desk that never sleeps.
The difference merchants feel
An answering service takes a message. Lumi builds the file.
Lumi
- ✓Builds the file live: revenue, TIB, industry, use
- ✓Screens your box before an advisor spends a minute
- ✓Tags ISO submissions to the relationship
- ✓Books the offer call on your advisor's calendar
- ✓Writes the file into your CRM, 24/7 — never quotes
A message slip tomorrow is a deal funded tonight. A built file is one you can actually win — on speed, before pricing ever comes up.
The merchant call is just the front door
One agent for your whole front of house — intake to funded and beyond.
Answering first is where Lumi starts. It keeps going — ISOs, renewals, follow-up, and the CRM you already run.
Voice, SMS, web chat, WhatsApp, email — the merchant who calls at lunch and texts bank statements at night stays one file, not three fragments.
Monthly revenue, time in business, industry, funding sought, use of funds — your intake sheet finished on the first touch, the same way every time.
No-revenue startups, restricted industries, requests you can't place — screened politely by your rules before they cost a funding advisor an hour.
Process, timelines, what you fund, what you need — answered from what you've approved. It never quotes a rate, a factor, or an offer.
Stalled submissions chased for stips, ISOs kept warm, past merchants reached when they're due to reup — follow-up on a cadence, within the rules.
The deadline deal, the big ISO, the reup — escalated to the right advisor immediately with the whole file attached.
70+ languages, 24/7 — the 9 PM paid lead and the weekend ISO both get a real conversation, not a callback promise.
Centrex, Cloudsquare, LendSaaS, MCA Track, OrgMeter — files land where your shop already works. 270+ tools in all.
One application · five desks · one winner
The merchant hit submit five times. They fund with whoever calls back first.
The same file lands on five broker desks at the same second. Four of them ring out, take a message, or promise a callback. Speed is the whole game — and it’s the one thing a voicemail box can never win.
- FUNDEDYou + LumiAnswers in seconds
Picks up on the first ring, qualifies the file, and books the offer call before the merchant dials the next name.
- COLDBroker 2Rings out to voicemail
The advisor's on another call. A message slip that gets returned tomorrow — after the file is gone.
- COLDBroker 3After-hours answering service
Takes a name and number. Can't ask time-in-business, can't build a submission, can't book a thing.
- COLDBroker 4Callback in the morning
Fast for a human desk — and still hours behind a merchant who funded before lunch.
- COLDBroker 5No answer
The lead they paid to earn rings into silence. The application never even reaches an advisor.
No rip-and-replace
Keep the stack you already run — Lumi works on top of it.
Your CRM, your dialer, your docs — Lumi works inside them, not instead of them. Lumi works on top of the CRMs commercial-finance shops actually run — Centrex, Cloudsquare, LendSaaS, MCA Track, and more. Files, notes, and follow-ups post straight into the systems your shop already trusts — 270+ tools in all.
CeCentrexClCloudsquareLeLendSaaSMTMCA TrackOrOrgMeterMSMCA SuiteSalesforceHubSpotQuickBooksDoDocusign
SalesforceHubSpotQuickBooksDoDocusignSwitched on from day one
The five plays every broker shop runs — prewired.
Live against your intake sheet, your box, and your CRM from the first call. Tighten the questions, adjust the screens, or stack plays of your own — Lumi never crosses into quoting or offers.
INMerchant Intake & File BuildVoice · CRM
INBox ScreeningYour rules · CRM
INISO Submission DeskVoice · Email
INRenewal & Reup RoutingVoice · CRM
OUTStalled-File & ISO Follow-UpSMS · Email
+ Build a play for your next campaignYour pipeline, your math
What are missed merchant leads costing you?
Three sliders. No email gate. This is the commission leaking out of leads that hit voicemail after the office closes.
Commission leaking out of missed leads
$7,350/month
$88,200 a year — roughly 25.2 funded deals going to whoever answered first, at a conservative 5% of missed leads that would have funded.
And that’s before the paid clicks you burned generating leads that rang out to voicemail.
Built for a business under disclosure rules
Hard boundaries for a business that lives under disclosure rules.
Put an agent this close to your intake and your pipeline and the wrong limits turn into real exposure. So four of them are locked in before the first merchant ever calls.
Pricing and structure come from your funding team. Lumi captures the file and books the call — it does not quote a factor rate, present an offer, or promise approval, which keeps you clear of commercial-finance disclosure rules.
Lumi won’t use ‘guaranteed approval’ or ‘no credit check’ language, and won’t imply an outcome. It gathers information; your team makes the credit and funding decisions.
Lumi writes into Centrex, Cloudsquare, or LendSaaS — never around them. Files, notes, and follow-ups land where your advisors and ISOs already work.
Each call, text, and chat is logged and reviewable — what was asked, what was said, what was screened out and why. When a partner or regulator asks, the trail is there.
Case file · business-loan brokerage & ISO
One shop. One quarter. The race stopped being lost at hello.
~120 leads/month · paid campaigns + ISO submissions · before: after-hours voicemail, files funded elsewhere by morning
Secondsto first answer on merchant leads
nights and weekends included — the race starts at hello
100%of leads filed on the first call
revenue, TIB, industry, use of funds — no quoting
−65%unqualified calls reaching advisors
startups and out-of-box requests screened at the door
+3deals funded per month, same lead spend
won on speed-to-lead, not a better offer
“We buy leads that go cold in minutes, and half of them used to hit voicemail after five o’clock. Now every merchant gets a real conversation the second they call, the file is built before my advisor picks up, and the junk gets screened out on its own. My closers stopped babysitting the phone and started actually funding deals.”
Illustrative composite from typical first-quarter results — names and figures are illustrative until our first public broker case study lands.
Objections, welcome
What brokers ask before they put Lumi on the phones.
Which broker and MCA platforms does LumiTalk work with?
It works on top of the CRMs and platforms commercial-finance shops actually run — Centrex, Cloudsquare, LendSaaS, MCA Track, OrgMeter, and MCA Suite among them, plus Salesforce and HubSpot. It creates the merchant record, attaches the file, and sets the follow-up. Your CRM stays the system of record; Lumi is the intake desk keeping it current. Running something else? Ask — the list keeps growing.
Can it actually qualify a merchant, or just take a message?
It builds the file in a real conversation: monthly revenue, time in business, industry, funding amount sought, and use of funds, narrowing vague answers into usable numbers. What it never does is quote a rate, a factor, or terms — pricing and offers stay with your funding team. The merchant reaches your advisor already qualified, and your advisor opens a complete file instead of a name.
Does it quote rates or make offers?
No — never. Lumi captures the information and books the offer call; it does not quote factor rates, costs, or APR, does not present offers, and does not promise approval. Everything it says is scripted and auditable, and all pricing and structuring stays with your licensed team. This keeps you clear of the disclosure rules that govern commercial-finance offers.
We don’t fund every industry. Can it screen out what we can’t place?
Yes — that’s built into the intake. Restricted industries, no-revenue startups, requests outside the deals you place are identified early, declined politely by your rules, and never reach an advisor’s queue. Your team only works files that fit the box.
Is it compliant for commercial finance?
Lumi asks the same intake questions of every merchant, captures information rather than making credit decisions, and never quotes terms, presents offers, or promises approval — the activities that carry disclosure and licensing rules stay with your team. It won’t use ‘guaranteed approval’ or ‘no credit check’ language. Every conversation is logged and auditable, and the boundaries are yours to set.
What about ISO submissions and renewals?
ISOs get the same fast, disciplined intake for their submissions, tagged to their relationship so your team sees the source. Past merchants are recognized on a reup call, their history attached, and their new request routed straight to the advisor who funded them before — no repeating the whole story to a stranger.
Can it answer in other languages and after hours?
Every merchant is answered in their own language — 70+ of them — across voice, text, web chat, and WhatsApp, 24/7. The 9 PM lead from a paid campaign gets qualified and booked at 9 PM, and the file lands in your CRM in English so any advisor can pick it up in the morning.
How much does LumiTalk cost for a broker shop?
Flat monthly pricing, sized to your call volume and the channels you switch on — not per-minute metering that punishes a busy funding month. A two-person shop and a large ISO are scoped differently, so the honest answer depends on your setup. Book a demo, tell us your volume and CRM, and we’ll put a number in front of you.
Guides & comparisons
Read before you switch it on.
MCASpeed to Lead for MCA Leads: Measure Meaningful Engagement, Not Folklore11 min read MCAMCA Lead Qualification Questions: Capture a Complete File Without Pre-Deciding It11 min read MCABest Answering Service for Loan Brokers: Compare the Complete Intake Workflow11 min read MCAHow to Work Aged MCA Leads: Build the Consent Ledger Before the Cadence11 min read MCABest MCA CRM: Compare Platforms With Your Own Broker or Funder Workflow11 min read MCAAI for Merchant Cash Advance: Intake Automation With Clear Decision Boundaries11 min read
Give her the 9 PM lead you keep paying for and losing.
Ask for working capital. Keep your numbers vague. Push for a rate.
Call the demo line like a merchant who needs capital — ask for working capital, keep your numbers vague, push for a rate. Watch her build the file and hold the line on pricing. Then bring your lead volume and your CRM to a walkthrough.
(986) 249-0330From the blogAll articles
AI ReceptionistWhat Is an AI Receptionist? A Plain-English Guide7 min read 
Real EstateSpeed to Lead: Why the First 5 Minutes Decide the Deal8 min read 
SubscriptionAI Customer Service for Subscription Ecommerce8 min read 
Property ManagementAI Assistant for Property Managers: A Buyer’s Guide8 min read 
Med SpaHow to Reduce Med Spa No-Shows Without Nagging Clients8 min read 
Estate PlanningAnswering Service for Estate Planning Attorneys8 min read