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Built for e-commerce brands running €1M–€100M online

One intelligence layer for your entire business.

Understand what's happening. Act on it. Unlock capital. All from one conversation.
Luca connects to the tools you already run on, reasons across your full picture, and helps you decide in seconds, from €250/month.
Try it for free ›Book a demo
14-day free trial · No credit card required · Connect your business in under 5 minutes
Why did our repeat purchase rate drop last week?
Repeat rate fell 31% → 24%, concentrated in your Q2 Meta cohort. The “20% off” creative is pulling deal-seekers — LTV €42 vs €98 organic. Pause it tonight, shift €14k into your founder-story set: projected 3.1× ROAS, cash-positive in 22 days. Here’s the breakdown:
Luca · generated · repeat rate & LTV by cohort
Blended repeat rate31% → 24%
Meta cohort LTV€42 vs €98 organic
Projected ROAS · if actioned3.1× in 22 days
Customer LTV (€)
Repeat rate (%)
Problem cohort
Projected recovery
€0€50€1000%20%40%OrganicMeta — founder storyMeta — 20% discountProjected

The problem

Your data sits in twelve tools. Your decisions happen in your head. Your cash is somewhere in between.

Your business runs on Shopify, Stripe, Meta Ads, Google Ads, Klaviyo, Xero, and a few spreadsheets. Each sees a fragment. None sees the whole picture. So the questions that matter — Can I afford to scale this campaign? Will Q4 inventory drain my cash? Which SKUs are actually profitable? — get answered on gut feel, on Sundays at midnight.

And when you finally find the answer, funding becomes the next problem. Applications, underwriting calls, a 14-page DocuSign, money that arrives a week late and costs more than the opportunity is worth.

  • ✕
    8 to 12 dashboards, zero answers

    Hours spent stitching CSVs to ask one question that could be answered in 5 seconds.

  • ✕
    Platform-reported ROAS lies

    Meta says 4.2×. Your bank says you're losing money. Both are right, neither is useful.

  • ✕
    Cash flow is a Sunday-night spreadsheet

    Forecasting Q4 manually, three weeks before it's already too late to fix.

  • ✕
    You can't afford a CFO, analyst, and growth lead

    The roles you need most are the ones you can't justify until revenue is double what it is today.

  • ✕
    Capital arrives a week late and costs 10–15%

    Capital providers push the largest advance they can. You overborrow. Cash sits idle. You overpay.

The shift

Meet Luca — your business, understood as one system.

Luca isn't a dashboard, a search engine, or a chatbot. It continuously ingests real-time data, maintains a coherent picture of your business context, and reasons about it at a depth no human can — and when it identifies the right growth opportunity, funds it instantly.

Advice
is intelligence without capital
Analytics tools
+
Risk
is capital without intelligence
Lenders
=
Outcome ownership
is intelligence + capital
Luca

One product, two engines

Intelligence first. Capital when needed.

Every other tool makes you choose: analytics in one place, financing in another, advice in a third. Luca fuses all three into one conversation, because “should I scale?” and “here's €50k to do it” should never be two separate workflows.

THE SMARTS

A second brain that sees your entire business, and thinks about it when you don't.

Connected to Amazon, Shopify, Stripe, Meta, Google, Klaviyo, Xero/QuickBooks, your bank and your 3PL. Reasons across marketing, products, finance, ops and cashflow in one unified window, and continuously scans for opportunities and risks.

  • Ask anything in plain English: no SQL, no dashboard hopping
  • Cross-functional answers: marketing decisions with cash-flow implications attached
  • Proactive push: “Your top SKU is unprofitable when shipping is loaded in — want the fix?”
  • Scenario modelling, forecasting, alerts, board-ready reports, automated
  • 50+ languages. Chat in WhatsApp, Slack, email, or the web app

Replaces: Triple Whale + Northbeam + a junior analyst + half your spreadsheets

THE CAPITAL

Instant, dynamically-priced funding, earned by your numbers, not your application.

Because Luca already sees your live business health, there is no application, no underwriting call, no waiting. Capital is unlocked via our partners the moment the math works: sized to the opportunity, priced to your real risk, repaid automatically as revenue arrives.

  • €10k–€500k advances, available 24 hours after onboarding
  • Dynamic pricing: a better month means cheaper capital next time
  • Optimal sizing: Luca will tell you to take less if you don't need more
  • Hands-free revenue-share repayment (~3.5% of daily sales)
  • ~10% typical advance cost, fully transparent, no hidden interest or penalties

Replaces: your banker, your shareholder, your credit card, plus the spreadsheet you use to decide if you should even ask

That's the point: only the system that sees the opportunity can honestly size the capital to seize it.

How it works

From scattered data to funded decision, in four steps.

Onboarding's done before your second coffee. First insights arrive before lunch.

Step 01

Connect in two clicks per source.

OAuth into Shopify, Stripe, Meta, Google, Klaviyo, Xero, QuickBooks and your bank. Custom ERP? We build the bridge in days.

≤ 5 minutes
Step 02

Ask Luca anything.

“Why is profitability down?” “Which campaign should I scale?” “Will I have a cash crunch in November?” Answers grounded in your real numbers, in seconds.

Plain English
Step 03

Approve the action.

Luca recommends: rebalance ad spend, pause a campaign, adjust pricing, launch a flow. One tap pushes it straight to Shopify, Google, Meta, or your stack.

You stay in control
Step 04

Fund the move, instantly.

When the play needs cash, Luca offers the right amount at the right price. One tap to accept, money in your account in 24 hours, repayment runs itself.

24h to capital

What Luca can actually do

All that back-and-forth with the team. Answered in one place.

These aren't isolated features. They run on one shared view of your business, which is what lets Luca answer questions no other tool can.

Cross-domain reasoning — the question no other tool can answer.

“Should I scale Meta spend 50%?” requires marketing data + margin structure + inventory cover + 90-day cash projection. Luca holds all four in one head. Triple Whale sees marketing. Wayflyer sees finance. Luca sees the business.

“If I scale Meta to €50k/month, what happens to my cash position in 90 days?” → Integrated answer in 12 seconds.

Proactive push intelligence.

Luca scans your business in the background and tells you what you didn't think to ask. No new dashboards, no alert fatigue.

“Your top SKU by volume is unprofitable once shipping is loaded in — here's the fix.”

True ROAS & LTV by cohort.

Platform-reported numbers reconciled against the bank. Margin-adjusted, refund-adjusted, shipping-adjusted.

“Meta says 4.2×. Reconciled, it's 2.6×.”

Agentic actions, gated by you.

Pause a campaign, rebalance budget, launch a flow, adjust pricing. Luca proposes, you approve, the system pushes.

Progressive autonomy: from “tell me” to “do it and tell me later.” Your choice, per action type.

Alerts that matter.

“Tell me if cash runway dips below 60 days.” “Alert me on any 2σ move.” Luca watches, you sleep.

No noise, only the moves that change a decision.

Board & investor reports.

Generated on schedule, in your voice, with the metrics that actually move the conversation.

Monthly pack, ready before the meeting.

Competitor intelligence.

Stay ahead of competitors' pricing and customer sentiment with real-time monitoring of their behaviour.

“Alba is running an aggressive discount campaign. Wait two weeks before responding — here's why.”

Real scenarios, real outcomes

What a Tuesday looks like with Luca.

Each of these used to take days and three tools. Watch one resolve in a single thread.

FoundersFinance leadersGrowth & marketing
For founders

“Should I scale this campaign, and can I afford to?”

Your Meta creative is hitting a 3.4× ROAS. Triple Whale says yes. Your CFO says wait. Both are guessing. Luca runs the integrated model in 14 seconds.

Outcome

Scale to €38k (not the €60k you were about to commit), funded instantly with €25k from Luca, cash-positive in 27 days, projected 90-day cash position never dips below €112k.

Should I scale our Meta winter set from €18k to €60k/month?
LUCAAt €60k you'd burn cash through week 3 of November — your November PO clears the 12th. Optimal is €38k: same ROAS curve up to that point, no cash dip. I can fund €25k of it now at 9.8% — your March numbers earned you a better rate. Want me to set it up?
Yes, do it.
LUCADone. Budget updated in Meta Ads Manager. €25k will hit your Stripe Treasury account by tomorrow 9am. Repayment: 3.4% of daily sales until cleared.
For finance leaders

“Will Q4 inventory drain our cash?”

Your buyer wants to commit €420k of PO in August for November delivery. The bank will take six weeks. Wayflyer will offer the full €420k whether you need it or not. Luca asks a different question first.

Outcome

Luca models the actual cadence: €150k needed in August, €170k in September, €100k in October. Three smaller advances at dynamic pricing. Total cost: 6.4% — vs. 8% on a single €420k advance. €6,720 saved. No idle cash.

We need €420k for Q4 inventory. What's the cleanest way to fund it?
LUCADon't take it all at once — you'd be paying for capital that sits idle for 9 weeks. Cadence: €150k in August, €170k in September, €100k in October. I'll price each draw against your live numbers — your August health score is up 11 points since June.
Show me the total cost vs Wayflyer.
LUCALuca staged: €26,880 total (6.4%). Wayflyer single advance: €33,600 (8%). You keep €6,720 — and €170k never sits idle.
For growth & marketing

“Why is our retention dropping — and what fixes it?”

Repeat rate fell 7 points in one quarter. Klaviyo blames the email cadence. Meta blames the audience. Shopify blames the product mix. Luca holds all three and finds the actual cause.

Outcome

Discount-led acquisition is poisoning LTV. Pause one creative, shift €14k to the founder-story set, relaunch a 30-day winback flow. Projected LTV recovery: +€48 per customer within 90 days. Modelled and approved in eight minutes.

Repeat purchase rate is down. What's going on?
LUCAIt's not the email cadence. Your Q2 Meta cohort came in via the “20% off first order” creative — they convert once and never return. Their LTV is €42 vs. €98 for organic.
So what do I actually do?
LUCAThree moves: pause that creative, shift €14k into the founder-story set, and turn on the dormant 30-day winback flow in Klaviyo. Projected recovery: +€48 LTV per customer in 90 days.

Who's already in the room

Built for the people who run the whole business.

If you lead, finance, or grow a €1M–€100M e-commerce brand, you're who Luca was made for. Here's what changed for the operators already on it.

Founders & CEOs

The operator who wears every hat, and is tired of it.

The dream co-founder. A 10× swiss-army knife with deep pockets.

AN
Aissata NiangCEO, Ayodi
CFOs & finance leaders

The financial brain that doesn't need three more analysts.

Cohort insights into LTV in minutes that would otherwise take my team hours.

LC
Lenny CordellCOO, Untamed
Growth & marketing

The performance lead who's done arguing with the CFO about ROAS.

Continuously combing Nidra for opportunities. Luca has become essential in my day-to-day.

AM
Anita MotwaniCEO, Nidra

Numbers Luca's customers actually move.

Results across European and North American DTC brands, first six months on Luca.

8hrs / week
saved on manual reporting, dashboards and reconciliation
15%
average lift in repeat-purchase retention rate
24hrs
from first conversation to capital in your account
8–12%
average all-in cost of a capital advance, fully transparent

Why Luca, plainly

You've been told to choose. Luca refuses the trade-off.

Honest, side-by-side. Each category below solves a real problem, but just a fraction of yours.

 LucaTriple Whale & analytics toolsWayflyer, Clearco & RBF lendersChatGPT & general AI
Connects to your commerce + marketing dataYesYesLimited (for underwriting only)No
Connects to finance, accounting & bankingYesNoRead-only, for riskNo
Cross-functional reasoning (marketing × cash × ops)NativeMarketing-onlyLending-onlyWithout your data
Proactive insights (pushes ideas without being asked)YesRule-based alertsNoReactive only
Capital available in 24 hoursYesNoYesNo
Dynamic capital pricing (gets cheaper as you improve)YesN/AApplication-snapshot pricingN/A
Aligned incentives (recommends taking less when right)Subscription-led modelN/AIncentivised to push larger advancesN/A
Executes actions back into your stackYes, approval-gatedWithin marketing toolsNoNo
One conversation for any business questionYes, incl. HR, compliance, opsMarketing onlyLending onlyYes, but no business context

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Built by operators who've managed and underwritten risk for decades

You're not betting on a chatbot. You're betting on a team that has deployed $1.5B+ into businesses like yours.

Luca's founding team has spent careers underwriting, scaling and selling e-commerce businesses. The intelligence layer is purpose-built, not a thin wrapper on someone else's model.

Mastercard Strive PartnerGoogle Cloud Platform Partner
Eric Bidinger
Eric BidingerCo-founder & CEO · 17 yrs PE · Stanford engineering and applied mathematics · B2C and deeptech founder
Abbas Khaku
Abbas KhakuCo-founder & COO · 12 yrs PE · LSE applied mathematics · operating experience across multi-stage SME data and finance
Luca
Luca is powered by LucaWe use Luca to build Luca. Every decision, workflow, and improvement runs through the same intelligence we deliver to our customers

Pricing

Priced by revenue, not feature gates.

Every plan includes the full product, no capabilities locked behind a higher tier. Capital is priced dynamically per advance, fully transparent, with no hidden interest, available through our funding partners.

Starts from €250/ month
Proactive intelligence50+ languagesCapital access included5-minute setup
See full pricingBook a demo
Honest answers

The questions every operator asks before saying yes.

Is my financial data actually safe?›
Yes. Your data sits in a single-tenant cloud, encrypted at rest. Only the fields required to answer a specific query are passed to the model, and nothing is used to train any third-party model. You control permissions; every request is audited.
I don't use Shopify, Stripe or Meta. Can Luca still work?›
Probably, yes. Luca needs a rich digital footprint to be useful. If your stack is custom, our integration team will map your schema and build a secure API bridge — usually within a couple of days.
How accurate is the AI? My business is unique.›
Every business is unique, and Luca knows it within a week. The reasoning layer is purpose-built for SME e-commerce, trained on millions of business and financial signals, and grounded in your specific data. It remembers your patterns, vocabulary and decisions.
What does capital actually cost, all-in?›
A single, transparent fixed fee, typically around 10% of the advanced amount, dynamically priced on your live revenue consistency, margin and seasonality. No interest, no late penalties. Repayment is hands-free: a fixed share of daily sales, which slows automatically if sales dip.
Why a 12-month subscription?›
Training Luca on your business takes real engineering time on our side. An annual plan lets us invest that upfront and keep pricing accessible. Most customers earn the fee back in the first month. We send a renewal reminder 30 days before expiry — no surprise auto-renewals.
How is Luca different from Triple Whale, Wayflyer or ChatGPT?›
Triple Whale is marketing analytics, but can't see your cash or fund your decisions. Wayflyer lends money, but can't tell you whether you should borrow it. ChatGPT knows nothing about your business. Luca is designed to see across all of it, reason across it, and act on it.
How long until I see real value?›
Setup is under 5 minutes. First useful insight: typically within the first day. First proactive push: usually within 48 hours of full data sync. Most customers run their first capital play in week one.
The next move

You don't need more tools. You need one that thinks.

Every week you wait is another Sunday rebuilding the same spreadsheet, another campaign you couldn't fund in time, another decision made on gut feel. Luca is live in 5 minutes. The first insight lands the same day.

Try it for freeBook a demo
14-day free trial · No credit card required · Connect your business in under 5 minutes