Approve customers faster with less risk
Digital credit applications, automated decisioning, and full visibility into your pipeline. Simpler and more affordable than legacy tools.
Replace PDFs and email chains with a modern experience
Your customers shouldn't have to download a form, fill it out by hand, and email it back. Lunica gives them a clean, structured application with your branding they can complete in minutes.
Branded, mobile-friendly application forms with configurable fields by customer type
Automatic trade reference requests and collection
Automated bank account verification built into the application flow
Apex Materials
Commercial credit application
Business info
Bank verification
Trade references
Review
Business information
VerifiedLegal business name
Summit Industrial Supply
EIN match
Matched
Billing address
Verified
Requested limit
$250,000
Bank verification
Operating account connected
Balance and ownership verified automatically.
Trade references
2 of 3 returnedNorthstar Supply
Returned
Beacon Contractors
Returned
Harbor Steel
Requested
Get from application to decision in minutes, not days
Lunica collects the right information upfront, verifies it automatically, and organizes every signal so credit analysts spend less time chasing documents and more time making decisions.
Instant credit recommendations based on your credit policy
Automatic routing to the right reviewer based on amount, risk, or segment
Centralized application status tracking from submission through decision
Assess risk clearly before every decision
Lunica combines internal data, third-party signals, and configurable rules to surface a clear risk picture for every applicant so your team can approve with confidence and flag concerns early.
Lien checks, litigation checks, EIN matching, and address verification
Bank account signals, trade references, and bureau data in one review
Policy-based risk scoring with configurable thresholds and exceptions
Standardize how your team reviews and approves
No more ad-hoc approvals over email. Lunica provides a structured workflow for every credit decision with full audit trails, approval chains, and configurable authority levels.
Multi-step approval workflows with role-based permissions
Instant approvals when applications match your credit policy
Full decision history, audit trail, credit limits, and terms by segment
Three steps to smarter credit
Lunica plugs into your existing systems and starts working immediately. No months-long implementation. No ripping out what you have.
Set up your application
Configure your branded application, required documents, trade references, and bank verification requirements.
Apply your credit policy
Set scoring criteria, risk thresholds, instant credit rules, and routing by customer type, credit amount, or segment.
Review clear recommendations
Lunica packages verification results, risk checks, and policy-based recommendations so your team can make faster, controlled decisions.
Stop losing time on manual credit reviews.
See how Lunica Credit can help your team approve faster, reduce risk, and eliminate the paperwork slowing you down.