How it works
Luca isn't a chatbot on a dashboard, or a search engine on a database. It's a five-layer architecture that securely ingests your business context, reasons across functions, acts inside your stack, and funds the moves worth making.
14-day free trial · No credit card required · Connect your business in under 5 minutes
Architecture
Each layer sits on the one beneath it: data is the foundation, capital is the move it makes possible. No legacy provider matches Luca by bolting AI onto old features; synthesis only works when the architecture is built for it from the start. Tap any layer for the full detail.
Connect to every system that matters and capture the raw signal.
What it does
Connects to 20+ sources across commerce, marketing, finance, accounting, banking and ops. Captures orders, ad spend, deposits, P&L lines, bank balances, inventory, fulfilment. OAuth-based, minutes per source, updating continuously in real time.
For the founder
Out: "let me pull the numbers and get back to you." In: Luca already has them, across every tool, updated in real time.
Turn raw data into a unified, persistent understanding of your business.
What it does
Raw data is meaningless until it's reconciled. The Context Layer normalises everything into one model: "revenue" and "customer" mean the same thing whether from Shopify, Stripe or Xero. On top sits a persistent memory: past questions, decisions, outcomes, your terminology.
For the founder
You stop re-explaining context every time you open the chat. Luca builds context like an employee who's been there since day one.
Answer questions that span domains, model what-ifs, forecast and budget.
What it does
The brain. Runs cross-functional reasoning, answers questions that touch marketing AND finance AND ops AND cash in one pass. Calculates a multi-dimensional health score, runs what-if scenarios on demand, and generates forward-looking projections.
For the founder
The questions you Slack your team — "is this profitable?", "can we afford this?", "what's the cash impact?" — answered in seconds, from one source of truth.
Move from insight to action, with autonomy you control.
What it does
Closes the loop. Proactively scans the business, surfaces opportunities you didn't know existed, and pushes them through your preferred channel. It can execute actions inside your stack: publish to socials, pause campaigns, adjust budgets, across five autonomy levels you set.
For the founder
Insight without action is waste. Most tools stop at the dashboard. Luca pushes through, and you decide where it acts on its own and where it asks first.
Dynamic, instant capital that reflects your actual business health.
What it does
Turns Luca's analysis into deployable funds. Because the Intelligence Layer already produces a continuously-updated health score, capital is unlocked, not applied for. Pricing is dynamic, sizing is optimised for your ROI, and a better month means a cheaper next draw.
For the founder
You don't apply for capital. It's already underwritten, continuously. When the math works, you tap a button.
The AI operating system, explained
A new category made possible by a new architecture. A chatbot answers questions. A dashboard shows numbers. A lender writes checks. An AI operating system does all three.
ChatGPT, Claude, Perplexity. No persistent context, no access to your numbers, no ability to act. Useful for generic queries, blind to your business.
Triple Whale, Northbeam. Beautiful charts for single functions. Can't reason across domains, can't answer "should I allocate capital to this strategy?"
Wayflyer, Clearco, 8fig. Underwrite once, then push for the largest advance. No view on growth efficiency or how the capital should be allocated.
One system that sees the whole business, reasons across functions, finds the efficient move, and offers capital when it makes sense.
End-to-end
Seven steps run underneath. Luca handles the complexity. You receive insights in seconds.
OAuth into Shopify, Stripe, Meta, Google, Amazon, Xero/QuickBooks, your bank.
~5 minutesLuca pulls context and historical data, normalizes it, and builds a unified view of the business.
First insights in hoursYou ask a question. Luca routes across marketing, finance, ops and cash to find the answer.
SecondsLuca proactively scans the business and surfaces blind spots.
DailyLuca proposes the action: sized, priced and explained, with the cash-flow implications attached.
You approveLuca executes inside your stack (Meta budget, Klaviyo flow, Shopify discount), approval-gated.
One tapIf the move needs cash, Luca offers capital sized to the opportunity, then watches the outcome and adjusts.
Coming soon 24h to capitalIntegrations
Connect once. Luca handles the rest.
OAuth where it exists, direct API where it doesn't, custom bridges where you need them.
Security & compliance
Single-tenant infrastructure, engineered so your numbers never train anyone else's model.
Your data lives in an isolated tenant. No co-mingling. No cross-customer queries. Encryption at rest (AES-256) and in transit (TLS 1.3).
Your numbers are used to answer your questions, nothing else. We do not train third-party foundation models on your financials. Ever.
Founder, CFO, growth, ops: each role gets the slice they need. Granular permissions per data source and per action type.
Every question, every action, every capital draw is timestamped, attributed, and reversible. Export to your SIEM at any time.
EU data residency available. DPA on request. Right-to-delete honoured within 30 days. Built for operators selling into Europe.
Honest answers
About five minutes per OAuth source. Shopify, Stripe, Meta, Google, Klaviyo and Xero are click-through. Banking via Plaid is two more clicks. Total setup for a typical stack: under 15 minutes. First proactive insights usually land within the first 24 hours, once Luca has ingested 90 days of history.
Our team builds custom bridges within days — most ERPs, custom warehouses and internal databases included. There's no integration fee. We treat the bridge as part of onboarding.
Banking, payments and ad spend stream in near-real-time via webhook. Commerce data refreshes every 15 minutes. Accounting data syncs nightly. For any answer that depends on intraday data, Luca pulls live at query time.
Both — and you choose per action type. Luca operates on five autonomy levels (L0 read-only through L4 fully autonomous). Most customers start at L2 (approval-gated) for marketing and capital, L3 (auto-with-notify) for reporting and digests. You can move any action up or down at any time.
Because the answer to "should I scale this campaign?" lives in the relationship between marketing performance and cash position. Without accounting and banking, no AI can tell you whether your ROAS-positive campaign is actually profitable, or whether you can afford to scale it. Triple Whale doesn't ask because it can't answer the question.
Yes. Every action — every question answered, every budget changed, every capital draw — is logged with timestamp, actor, reasoning trace, and the data Luca used to decide. Export to CSV or stream to your SIEM. Nothing is opaque.
See it on your own data
Connect your stack in under 5 minutes and watch Luca reason across it in seconds. The first insight lands the same day.
14-day free trial · No credit card required · Connect your business in under 5 minutes