Dynamic capital
€10k to €500k, funded in 24 hours. No applications, no underwriting calls, no personal guarantee. And the price drops every time your numbers improve, because Luca already sees them.
No application · No personal guarantee · Capital is unlocked, not applied for
The capital problem today
Every incumbent shares one incentive: deploy as much capital as possible, as expensively as possible, with as little risk as possible. Yours is the opposite.
90-day approval, personal guarantee, covenants, three years of financials. By the time the money arrives, the opportunity is gone. We've all been there.
Wayflyer and Clearco price off your application month, and you pay for it the next twelve. They're incentivised to maximise the advance.
Cheap and fast, but blind to anything outside the platform. No view of your whole business. No advice on whether you should even take it.
Priced by your real numbers, sized to the opportunity, and cheaper every time your business improves. The only provider that makes money when you grow, not when you overborrow.
See how it works ↓How dynamic capital works
Because Luca already sees your whole business in real time, capital doesn't need to be applied for. It's simply unlocked.
Luca underwrites continuously, in real time. So when you need capital, the underwriting is already done.
Same business, same lender, one month later. Wayflyer would price both off March. Luca re-prices to your improved Q2.
The capital rewards you for the work the intelligence layer told you to do.
Feature deep-dive
Every feature fixes a structural misalignment in how capital works today, because Luca only does well when you do.
What it does. Every change in your business updates your health score in real time, and each advance is priced against that score. More accuracy, tighter spreads, cheaper capital, and you see exactly which inputs moved the price, and by how much.
Why it matters. Traditional lenders are structurally unable to reward operators who improve. Dynamic pricing does. Over twelve months of draws, that difference compounds into tens of thousands.
What it does. Luca recommends the right advance for the opportunity, not the largest you'd qualify for, and defaults to a rolling sequence of smaller draws (€10k–€50k) released as you need them, each priced against current health.
Why it matters. Idle capital is the most expensive capital. €270k sitting at a 12% cost-of-capital is an anchor in your P&L. You pay only for what you use, when you use it.
What it does. Repayment is a small share of daily sales, typically ~3.5%. Stronger week, faster repayment; slower week, smaller deduction. No fixed monthly payment, no covenants, no late penalties, because there's no "late." You pay out of cash you actually have.
Why it matters. Fixed-term debt punishes slow months and idles fast ones. Revenue share auto-flexes with the business, removing cash-flow stress when you can least afford it. It runs automatically off your payment processor. You never touch it.
What it does. From "yes, draw it" to money in your operating account: ~24 hours, often faster. Because underwriting is continuous and pre-computed, there's no approval window, just disbursement.
Why it matters. The Meta auction that's profitable this morning isn't next month. Inventory ordered tomorrow ships in November. Capital that arrives a week late costs more than capital that costs 2% more but lands on time.
What it does. Luca requires no personal guarantee, takes no equity, and imposes no covenants on how you run the business. The advance is non-dilutive financing collateralised by future revenue.
Why it matters. Bank debt puts your house on the line for inventory. Venture capital dilutes ownership permanently. Covenant-heavy debt restricts hiring, pricing and capex. Luca asks for none of it.
What it does. One all-in number: 8–12% typical, sometimes less for stronger health scores. No origination fee, no servicing fee, no late fee, no early-repayment penalty, no FX markup, no bundled insurance. The cost you see in the app is the cost you pay.
Why it matters. Traditional pricing is famously opaque: flat fee plus servicing plus retrieval rate plus minimum payback plus undisclosed surcharges. Luca is the opposite: you can model the exact cost of any advance before you take it.
The "take less" feature
When the opportunity isn't worth the spread, Luca tells you to wait. When idle capital would hurt your runway more than no capital would, Luca says no.
This isn't generosity. It's incentive design. Luca makes most of its money on the subscription and a thin margin on the capital. Lenders that live on advance spreads can't say this. We can.
"If someone comes and says 'I want to take €300k,' our response is: 'Are you sure? You're going to pay a really high fee, and there's money that'll sit idle. Take €50k now, put it to work, see the return, and then scale up.'"
Use cases
Four moves where Dynamic Capital pays for itself. No application, no personal guarantee.
Buy inventory in August for the peak. Luca models the staged cadence: €150k August, €170k September, €100k October, instead of one €420k drop. Each draw priced against current health.
Luca sees Meta hitting 3.4× ROAS and your cash supports a €25k bump. Capital lands by tomorrow morning. Repayment runs at 3.5% of daily sales until cleared.
Suppliers offer 4% net-30 discounts you can never take. Draw €30k at ~10% annualised, capture the 4% discount upfront, repay in 35 days.
PSP holdback froze €60k. Bank settlement delayed two weeks. Luca bridges €40k overnight while the receivables clear. No personal guarantee, no DocuSign.
How Luca compares
Named competitors. Where Luca isn't ahead, we say so.
| Luca Dynamic Capital | Wayflyer / Clearco | Stripe / Shopify Capital | Bank line of credit | |
|---|---|---|---|---|
| Time from request to funded | ●24 hours | ●3–7 days | ●1–2 days | ●4–12 weeks |
| Application required | ●No, pre-underwritten | ●Yes, full | ●No, in-app | ●Yes, extensive |
| Pricing model | ●Dynamic per-advance | ●Application snapshot | ●Platform-data snapshot | ●Fixed APR |
| Cross-functional underwriting | ●Marketing × finance × ops × cash | ●Commerce + payments only | ●Single-platform data only | ●Historical financials |
| Advance-sizing incentive | ●Recommends "take less" | ●Push largest possible | ●Maximise platform GMV | ●Sell relationship products |
| Personal guarantee | ●None | ●None | ●None | ●Required |
| Equity / dilution | ●None | ●None | ●None | ●None |
| Repayment mechanism | ●~3.5% of daily sales, auto | ●% of sales, auto | ●% of sales, auto | ●Fixed monthly + interest |
| Late penalty / covenants | ●None | ●None | ●None | ●Yes, both |
| Built-in intelligence layer | ●Full AI operating system | ●Basic dashboard | ●None | ●None |
Capital, answered
Direct answers. No fine-print theatre.
Typically 8–12% of the advance amount, all-in. So, a €50k advance costs roughly €4,000–€6,000, total. No origination fee, no servicing fee, no late fee. The number you see in the app is the number you pay. For customers with strong health scores, the all-in cost can be materially lower; you'll see the exact figure before you confirm any draw.
The pricing engine reads your current health score, which is a weighted blend of marketing efficiency, cash position, operational health, customer retention quality and margin structure. Each input is shown to you with its current value and its directional impact on price. If your retention improved by 4 points this month, you'll see exactly how much that lowered your next draw's cost.
€10,000 to €500,000 per advance, typically. The minimum is set so unit economics work for both sides. The maximum depends on your business's revenue run-rate and health score. Most operators won't be offered the cap, and most won't need it. Multiple smaller advances are the default model.
~3.5% of your daily Shopify/Stripe/PSP settlements is auto-deducted at source and applied to the outstanding balance. Stronger sales day → larger payment → faster clearance. Slower sales day → smaller payment. No fixed monthly payment to plan around. Repayment runs invisibly, most customers never think about it.
Yes. There is no early-repayment penalty. Pay it down whenever you want, full or partial. RBF pricing is a flat fee, not interest, so early repayment doesn't change the cost, but it frees up your sales share for the next draw immediately.
Your repayment scales down automatically because it's a percentage of sales, not a fixed amount. There's no covenant breach, no late fee, no default trigger from a slow quarter. The advance just takes longer to clear. Cash-flow stress doesn't compound.
No personal guarantee. No equity. No warrants. No covenants restricting hiring, capex or pricing. Future revenue is the collateral. Your house, your car and your cap table are untouched.
Capital is provided through Luca's regulated lending partners and institutional credit facilities. The lender-of-record varies by jurisdiction; you'll see the issuing entity, license number and full terms before you confirm any advance. Nothing is hidden behind a "brought to you by" disclaimer.
Of course. Many customers run Luca for the analytics, forecasting and proactive agent without ever drawing capital. The Capital layer is available to you, but it's not required. When you don't need it, it doesn't get in the way.
Book a demo. We'll show you what your live health score looks like, and what your next advance would cost, in real numbers, on your real data.
