The modern platform for mission-driven lenders.
Lonos unifies your CRM, loan origination, underwriting, coaching, and impact reporting in one platform, so you move applications faster, close more deals, and prove your impact automatically.
Replaces DownHome, Portfol & bloated Salesforce builds, with free migration.
Good morning, Maria
Portfolio dashboard
Active loans
142
Capital deployed
$4.2M
TA hours · mo
318
Approval rate
71%
Applications by stage
Capital deployed
▲ 18% YoYYour mission is community impact. Your software wasn't built for it.
The tools most CDFIs run on were built for traditional banks, or cobbled together over years. They don't understand coaching, technical assistance, or the reports your funders demand.
Held together by spreadsheets
Client data lives in one tool, applications in another, and a Salesforce instance that needs a developer on retainer to change a field.
Impact that never gets counted
Coaches do the work, but technical-assistance hours go unlogged, and the grant dollars that depend on proving them slip away.
A borrower experience that fights you
Clunky intake and painful document uploads stall applications and bury your team in email chasing paperwork.
Behind every loan is a business that almost didn't get one.
Your borrowers are childcare providers, food trucks, corner shops, and first-time founders the big banks turned away. Lonos handles the busywork so your team can spend its time with them.
Neighborhood bakery
Auto repair shop
Family restaurant
Home childcare
Every workflow your CDFI runs, in one system.
From first application to final report. No silos, no re-keying data between disconnected tools.
CRM & Intake
A single source of truth for every client and business: applications, documents, messages, business plans, cashflow, coaching assignments, and a status pipeline — all in one borrower record.
Loan Origination
Configurable applications, automated document collection, and auto-generated promissory notes, TILA disclosures, and guarantees.
Configurable Underwriting
Build your own knockout rules and scorecards. Route deals to the right funding sources automatically. Your model, automated — with a full credit-committee audit trail.
Coaching & Content Platform
A library of assignable video, text, and task-based content. Borrower progress and technical-assistance hours are captured automatically as coaches work.
Borrower Portal
A self-serve experience for applications, documents, and status tracking — plus business plans, cashflow projections, learning content, and secure messaging.
Reporting & Compliance
AMIS, TLR, and TA reports in the exact formats the CDFI Fund expects, plus custom reports, on demand.
A content platform that tracks impact automatically.
Coaching is what makes a CDFI different. Lonos gives you a full content library where coaches assign modules, borrowers complete work, and TA hours are logged automatically — from sessions, assignments, and messages.
Cleaner records mean stronger grant applications, better SBA reporting, and proof of the outcomes your funders and board want to see.
- Assign video, text, and task-based content to any borrower
- Sessions, assignments & messages roll up into TA automatically
- Filter and export grant-ready reports for any funder or program
Technical assistance log
+318 hrs this monthRivera Catering
Cash-flow coaching
45m
auto-logged
Mendez Auto
Loan readiness review
30m
auto-logged
Bloom Childcare
Credit-building plan
60m
yesterday
A portal borrowers keep coming back to.
Most lending software treats borrowers like a form to process. Lonos gives them a guided path through the loan — plus the tools and content to help their business succeed before, during, and after the loan.
- Guided application with save-and-resume onboarding
- Painless document uploads with a live checklist
- Business plan builder, cashflow projections, and assigned learning content
- Real-time status tracking and secure messaging with their team
Step 4 of 5 · Documents
Upload checklist
Business tax return 2025
Uploaded
Bank statements (3 mo)
Uploaded
Voided check
Needs upload
Grant-ready reporting, built in.
The reports your funders demand shouldn't take 40 hours and three spreadsheets. Lonos produces the exact formats the CDFI Fund expects, straight from the data your team already captures.
- AMIS & TLR exports in the required format
- Demographic & census-tract data tracked from intake
- Build custom reports and filter by any dimension
- Branded reports under your own name and domain
Reports
FY 2026CDFI Fund · TLR
Transaction Level Report
AMIS Annual Report
Awards Management
TA Impact Summary
By coach · by program
Custom: Board packet
Q3 portfolio + impact
Switching is easier than staying.
We know you have contracts, history, and a team that can't afford downtime. So we make the move painless, and carry the data for you.
Free
White-glove migration
We move your clients, loans, and documents off your old system, at no cost. You don't lose a record.
Your brand
Fully white-labeled
Custom domain, your logo and colors, branded emails and reports. To your borrowers, it's simply your platform.
No dev
No retainer required
Configure roles, fields, and underwriting rules yourself, no Salesforce consultant on speed-dial.
We've watched CDFIs do heroic work on software that fought them every step of the way.
- Coaches spend hours that don't get counted.
- Loan officers re-key data between tools that were never meant to talk to each other.
- And the people who built this stuff decades ago aren't fixing it.
So we're building Lonos: one record per borrower, coaching that counts, reports in an afternoon. Not because we have all the answers yet, but because the mission deserves better tools than the ones it inherited.
The Lonos team
What CDFIs ask before switching.
How long does migration take?
Most CDFIs are live in 2–4 weeks. We move your clients, loans, and documents off your current system at no cost, and you don't lose a record.
Can Lonos import from DownHome, Portfol, or Salesforce?
Yes. We've migrated teams off DownHome, Portfol, VistaShare, Salesforce + Fundingo, and spreadsheet-based systems. White-glove migration is included.
Will it match our underwriting model?
You build your own knockout rules and scorecards in Lonos, and route deals to the right funding sources automatically. No developer required to change a field.
Can Lonos produce AMIS and TLR for the CDFI Fund?
Yes — AMIS and TLR exports in the exact formats the CDFI Fund expects, straight from the data your team already captures. Demographic and census-tract data tracked from intake.
Is our data secure?
Lonos is pursuing SOC 2 Type II. Data is encrypted in transit and at rest, SSO/SAML is supported, and you can export your full dataset at any time.
Is it white-labeled?
Yes. Custom domain, your logo and colors, branded emails and reports. To your borrowers, it's simply your platform.
Is Lonos using AI?
We're building AI deliberately — not bolting on a chatbot. On the roadmap: AI underwriting recommendations, graceful auto-declinations, smart document extraction, and predictive TA matching. Thoughtful, not flashy.
We're working with a few CDFIs early.
Lonos is in active development. We're bringing on a small number of CDFIs as design partners — you'll get hands-on time with the platform and a direct line to the team building it. We open seats as capacity allows.
- Direct access to the founding team
- Shape features before they ship
- No lock-in, no discount promises
- SOC 2 Type II in progress
- Encrypted at rest
- Free white-glove migration