LUCA Plus
LUCA Plus is an Australia-based fintech SaaS platform that provides short-term B2B credit, cash-flow management, and e-invoicing tools to small and medium businesses, using a proprietary blockchain-based triple ledger architecture and native integrations with Xero, MYOB and Basiq.
- Company typePrivate
- Founded2018
- HeadquartersDocklands, Australia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What LUCA Plus does
LUCA Plus is an Australian fintech SaaS company that provides short-term B2B credit and cash-flow management solutions to small and medium businesses, with headquarters in Melbourne/Docklands and legal entity LUCA Plus Pty Ltd (ACN 626 594 983). Founded in 2018 by accountants and industry experts, the company was built around a proprietary "triple ledger" credit architecture that incorporates blockchain technology to add a third-party verification layer on top of conventional double-entry accounting, aiming to improve credibility and transparency in credit-risk approval. The platform offers digital credit applications with instant approval, bank reconciliation, and e-invoicing functionality, and integrates natively with leading Australian and global accounting platforms — Xero and MYOB as core partners, Basiq as a supporting data pipeline, and QuickBooks referenced as part of the broader ecosystem.
The product surface spans the LUCA Plus core platform (credit application, approval, and supplier-payment processing), the LUCA Pay add-on module (which lets SMB customers extend LUCA-style credit to their own buyers), and supporting modules for bank reconciliation and e-invoicing. All workloads run on multi-cloud infrastructure (Microsoft Azure, Amazon Web Services, Google Cloud) hosted in Australia, with ISO 27001 ISMS compliance achieved, SOC 1 certification in progress, and alignment with the ATO E-Invoicing framework. The go-to-market combines a self-serve product-led funnel for SMBs with an enterprise "Request a Demo" motion for larger deployments.
The business operates on a hybrid revenue model: recurring platform subscriptions (billed in AUD plus applicable taxes) combined with transaction-based fees on credit lines extended for supplier payments. A freemium trial is offered. The company remains privately held with no disclosed institutional ownership beyond a $250,000 raise from Newchip Accelerator in August 2021, an 11–50 employee base, and a customer segment that is exclusively Australian at present.
LUCA Plus firmographics
Firmographics- Name
- LUCA Plus
- Legal name
- LUCA Plus Pty Ltd ACN 626 594 983
- Website
- https://lucaplus.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- LUCA Plus is an Australia-based fintech SaaS platform that provides short-term B2B credit, cash-flow management, and e-invoicing tools to small and medium businesses, using a proprietary blockchain-based triple ledger architecture and native integrations with Xero, MYOB and Basiq.
- Ownership category
- akta.pro rank
LUCA Plus industry classification
Industry- Product category
- B2B Fintech — SMB Credit & Cash Flow Platform
- NAICS
- Sales Financing (522220), Activities Related to Credit Intermediation (5223)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- B2B BNPL (Invoice Split/Net Terms for SMB Procurement) (FSAKACAJ)
- akta.pro secondary industry
- B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
Keywords
Where LUCA Plus is headquartered
LocationHeadquarters
- HQ city
- Docklands
- HQ country
- Australia
- HQ region
- Oceania
Offices2 records
Markets served
LUCA Plus business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Infrastructure, Personnel, Operations, Marketing or Sales
Revenue model
- Credit Line Fees: Fees charged for short-term B2B credit payment solutions provided to small businesses for supplier payments.
- Subscription Services: Subscription-based access to the LUCA Plus platform for cash flow management and credit solutions.
- Platform Subscription: Fees and charges relating to the provision of LUCA Plus, as notified from time to time and published on the website. Payments billed in Australian Dollars plus applicable taxes.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free trial available for new users to explore the platform. |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels4 records
LUCA Plus product offering
Product offeringCore offering
LUCA Plus is a SaaS-based fintech platform that connects business and finance tools to deliver short-term B2B credit payment solutions for small and medium businesses. It enables SMEs to apply for credit digitally, receive instant credit-limit approval, sync supplier invoices from accounting software (Xero, MYOB), and repay via flexible monthly instalments, with an underlying triple-ledger (blockchain-inspired) system providing transparency in credit risk assessment. A complementary LUCA Pay component allows businesses to extend credit services to their own customers.
Product overview
LUCA Plus is a unified fintech SaaS platform providing short-term B2B credit payment solutions for small businesses. The core LUCA Plus Platform delivers digital credit applications with instant approval, seamless payment processing, transparent flexible credit terms, and e-invoicing capabilities. LUCA Pay extends these credit services to the platform's business customers. The platform integrates natively with accounting software (Xero, MYOB) for automated invoice syncing and bank reconciliation, all hosted on cloud infrastructure in Australia.
Differentiator
Problem solved
Functional benefit
Brands
- LUCA Pay: A payment solution component of the LUCA Plus platform.
Quantifiable outcome
- Credit approval within hours rather than months
- +2 more outcomes
Companies that use LUCA Plus
Customer profileSegments1 record
Ideal customer profiles2 records
LUCA Plus technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature5 records
LUCA Plus partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core, supporting and infrastructure.
- XerocoreXero is a service partner providing transaction data through secure, integrated software linkage. LUCA Plus clients authorize Xero to provide transaction data relating to the client's nominated account through a secure, integrated software linkage direct between Xero and LUCA Plus.
- MYOBcoreMYOB is a service partner providing transaction data through secure, integrated software linkage. LUCA Plus integrates with MYOB for accounting data synchronization and transaction data sharing.
- BasiqsupportingBasiq is a service partner that provides transaction data to LUCA Plus through secure integrated software linkage for bank reconciliation and financial data purposes.
- Microsoft AzureinfrastructureMicrosoft Azure platform hosted in Australia provides key infrastructure and services including monitoring for suspicious activity, physical security, server and power redundancy, and built-in firewalls.
- Amazon Web ServicesinfrastructureAmazon Web Services platform hosted in Australia provides cloud infrastructure services with security, privacy, and compliance capabilities.
- Google CloudinfrastructureGoogle Cloud platform hosted in Australia provides cloud infrastructure services with security, privacy, and compliance capabilities.
Recent moves6 records
Expansion highlights4 records
LUCA Plus competitors and assessment
Company assessmentDirect peers
- Resolve: US B2B payments and credit platform that lets SMBs extend net-terms terms to buyers and pay suppliers later — directly analogous in product and customer use case to LUCA Plus's core offering.
- Treyd: Swedish B2B BNPL provider offering invoice financing to SMBs for supplier payments — operates the same invoice-split / net-terms model targeted at SMB procurement that LUCA Plus uses.
- Hokodo: European B2B BNPL and trade-credit platform providing net-terms financing to SMBs and embedded credit APIs — closely matches LUCA Plus's invoice-based short-term B2B credit model.
- Prospa: Australia's leading online lender to SMBs, providing short-term working capital and unsecured loans via a fully digital application — directly comparable to LUCA Plus in geography and SMB credit focus.
- Spotcap: Australia-headquartered online SMB lender offering short-term working capital lines and credit products — a regional peer competing in the same Australian SMB credit segment as LUCA Plus.
- MarketFinance: UK-based invoice financing and business credit platform providing short-term working capital to SMBs via invoice discounting and credit lines — comparable model to LUCA Plus's short-term B2B supplier credit.
- iwoca: UK-based fintech extending short-term B2B credit lines and flexible financing to SMBs for working capital and supplier payments — directly comparable to LUCA Plus's core product in a different geography.
- Apruve: US-based B2B trade credit platform offering net-terms financing through accounting software integrations — a comparable B2B BNPL peer with integration-led distribution similar to LUCA Plus.
- Crezco: UK B2B BNPL platform enabling SMBs to extend net-terms to their buyers and pay suppliers later — a closely aligned peer offering invoice-based B2B financing through integrations and APIs.
Broad incumbents
- Airwallex: Australian-headquartered cross-border fintech offering payments, FX, and embedded financial services to SMBs — broader incumbent in the Australian SMB fintech ecosystem, partially overlapping with LUCA Plus's treasury and payments scope.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
LUCA Plus social profiles
Digital presenceLUCA Plus compliance and trust
Trust signalCompliance6 records
LUCA Plus financial estimates
Financial estimateRevenue estimate
Valuation estimate
LUCA Plus leadership team
Management profileNumber of profiles
Profiles7 records
LUCA Plus funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LUCA Plus M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about LUCA Plus
What does LUCA Plus do?
LUCA Plus is a SaaS-based fintech platform that connects business and finance tools to deliver short-term B2B credit payment solutions for small and medium businesses. It enables SMEs to apply for credit digitally, receive instant credit-limit approval, sync supplier invoices from accounting software (Xero, MYOB), and repay via flexible monthly instalments, with an underlying triple-ledger (blockchain-inspired) system providing transparency in credit risk assessment. A complementary LUCA Pay component allows businesses to extend credit services to their own customers.
Is LUCA Plus a public or private company?
LUCA Plus is a private company. It is classified as venture growth investor backed and is currently operating.
When was LUCA Plus founded?
LUCA Plus was founded in 2018. It employs 11 to 50 people.
Where is LUCA Plus based?
LUCA Plus is headquartered in Docklands, Australia, in the Oceania region.
How does LUCA Plus make money?
Three revenue lines are on record. Credit Line Fees are the primary driver. The others are subscription Services and platform Subscription.
Who are LUCA Plus's main competitors?
Direct peers on record are Resolve, Treyd, Hokodo, Prospa, Spotcap, MarketFinance, iwoca, Apruve and Crezco. Airwallex is listed as a broad incumbent.
Does LUCA Plus have an API?
No public API is recorded for LUCA Plus.
What industry is LUCA Plus in?
LUCA Plus's product category is B2B Fintech — SMB Credit & Cash Flow Platform. Its primary akta.pro industry code is FSAKACAJ, B2B BNPL (Invoice Split/Net Terms for SMB Procurement), with a secondary code of FSAGAIAC, B2B / Invoice-Based BNPL (Trade Credit at Checkout). Its NAICS code is 522220 and its SIC code is 6153.