Luminapro Limited

Luminapro is a UK based startup that is launching a solution for banks in the EU and globally that solves a significant regulatory issue regarding sustainability. Effective January 2026, any bank doing business in the EU needs to include ESG considerations at the product level in its underwriting of commercial loans. Forms of this EU regulatoin are currently being adopted globally. There are a multitude of adjacent spaces in the reg-tech space once our initial product is launched, as well as market expansion beyond the EU and UK, and including corporates, NBFIs, Insurance firms and others.

From its launch in February, 2026, Lumiinapro has moved quickly to build its regtech product for banks. The product launches in August 2026, with commercialisation and sales commencing thereafter.

Its four founders – Iain, Derek, Alex and Steve – are seasoned tech, finance and fintech executives with decades of experience building, launching and operating businesses like Luminapro around the world. Currently headquartered in London, its technology and product teams are based in Scotland, and Glasgow will be our primary hub.

LUMINAPRO wasn’t formed out of a single idea, it evolved over time and changed in form as we looked to identify an initial market opportunity. For our first product we could see the developing ESG challenges forming in the regulatory space, especially in the European Union as the rules changed quite dramatically for banks for banks. Quite simply, sustainability moved from a “nice to have” concept, prone to greenwashing and significant inconsistency in application across the sector, to a “must-have” requirement with rigor, consistency and auditable results.

The founding team was connected prior to LUMINAPRO, either having worked directly together or through partnerships between the top tier consultancies and enterprise fintechs. Steve and Iain are the driving forces behind the formation of LUMINAPRO, and they then brought Del and Alex onboard in early 2026 to build out the Technology and Product teams respectively.

The business was founded in late February 2026 and hit the ground running moving rapidly into the build phase, with a planned Go-To-Market in late August, all within 6 months of formation. From our founding, the firm has moved rapidly with a clear view of the need, an insider’s knowledge of the target market and the experience of prior start-ups.