Your Outsourced AI-Augmented Finance Department — Fortune 500 Power for Small Businesses.

LumenPath works in five simple steps: 1) Securely connect your accounts—we take over. 2) We clean, categorize, and reconcile daily (AI + experts). 3) We run advanced models (Monte Carlo, Benford's Law, game theory). 4) You get weekly insights, strategies, and alerts. 5) You focus on growth—no financial stress.

Yes. These are the same tools used by investment banks and Fortune 500 companies. Monte Carlo runs thousands of scenarios for cashflow predictions. Benford's Law detects fraud and errors. Game theory models optimal strategies for expansion, pricing, and investments. We bring these to every small business client.

No—we're a fully managed finance department, not software. We handle everything for you: daily bookkeeping, tax optimization, forecasting, and strategy. We can work with QuickBooks or replace it entirely. Unlike apps that leave you doing the work, we do it for you.

LumenPath serves all small businesses equally: startups (runway/forecasting), local shops and retail (sales tax/cash control), agencies and service pros (revenue modeling/profitability), contractors and trades (mileage/1099s/job costing), and multi-entity operations (consolidated reporting). If you need daily bookkeeping, tax planning, and CFO-level guidance—we're built for you.

Payroll is available as an optional add-on for $99/month. We can handle W-2 employees, 1099 contractors, and multi-state payroll. Ask us about adding payroll to your plan.

Absolutely. We use bank-level encryption, SOC 2–aligned processes, and Plaid-secured connections. Your financial data is safe, private, and accessible only to authorized team members. Plus, we offer a 30-day money-back guarantee.