Lumara
Millions of immigrants live in the U.S. with no real safety net.
When crisis hits — eviction notices, workplace injury, domestic violence, detention, food insecurity — most immigrants have nowhere safe, fast, and trusted to turn.
The Challenge
- No centralized, culturally competent crisis support
- Language barriers and fear of authorities delay help
- Predatory "helpers" exploit vulnerable families
- No reliable access to small amounts of emergency cash
- Fragmented patchwork of nonprofits, clinics, and mutual aid
Who is being left behind?
- 30M+ undocumented & mixed-status immigrants
- 20M+ permanent residents & visa holders
- 15M+ Spanish-dominant households
Today, there is no unified, bilingual, tech-enabled crisis network dedicated to immigrants themselves. Lumara fills that gap.
Lumara: "AAA for immigrants" — a 24/7 safety membership.
Lumara combines technology, community partnerships, and human navigators to deliver trust, speed, and cultural relevance in moments that matter most.
Our Mission
To ensure no immigrant ever faces crisis, fear, or hardship alone — socially, legally, financially, or emotionally.
What members receive
- 24/7 multilingual chat and phone support
- Emergency micro-funds ($25–$300) for urgent needs
- Crisis navigation for housing, safety, legal & medical issues
- Curated, local resource mapping & referrals
- Access to a vetted "Lumara Pros" network of professionals
- Family plans that cover up to 5 members under one umbrella
Brand & Positioning
The name Lumara and the fire-inspired logo are designed to evoke warmth, safety, and guidance — a beacon in moments of chaos.
Positioned as a hybrid of AAA, the Red Cross, and a community resource hub, Lumara is accessible, subscription-based, and deeply community-rooted.
Digital-first safety network: app, portal, and people.
Lumara starts as a virtual-first platform and evolves into a nationwide physical presence — but from day one, members get real, live help, not just a static app.
Member App & Portal
- Home dashboard with crisis categories (rent, food, safety, medical, legal)
- "Request Help" flow for emergency micro-grants with quick triage
- Secure document vault for IDs, leases, notices, and legal docs
- Resource map of nearby clinics, food pantries, shelters, and allies
- Member profile with plan status, household, and language preferences
- Message center for chat history with navigators and follow-ups
Emergency Assistance Workflow
- Select crisis category (Rent/Eviction, Food, Safety, Medical, etc.)
- Enter requested amount and describe the situation
- Lumara navigator reviews, verifies, and contacts the member
- Funds and/or referrals are approved based on criteria and policies
- Navigator follows up to ensure safety and next steps
Behind the scenes, an AI assistant supports navigators with scripts, triage flows, and resource suggestions — while humans make final decisions.
High-volume, under-served, and ready for a trusted brand.
Lumara serves overlapping immigrant segments that collectively represent tens of millions of people with shared pain points and limited, fragmented support.
Addressable Segments
These communities already rely on informal networks, WhatsApp groups, and ethnic media — but lack a unified, trustworthy safety net they can subscribe to.
Revenue Scenarios
Assuming average revenue per user (ARPU) of ~$5.99:
- Low: 50,000 members → $3.6M/year
- Mid: 250,000 members → $17.9M/year
- High: 3,000,000 members → $215M/year
Self-sustaining at ~150,000+ members
Simple membership model, layered with long-term upside.
Lumara is intentionally built as a low-cost, high-volume subscription product with the ability to unlock deeper financial services as trust and data grows.
- Single adult coverage
- 24/7 support and emergency micro-funds
- Access to resource navigator and digital tools
- Two adults in the same household
- Joint crisis planning and assistance
- Shared access to document vault and navigator
- Up to 5 family members
- Household-level crisis management
- Children and elders included under one plan
Year 1 Budget
$2.3M – $4M
- Core Staff: $1.2M – $1.8M
- Marketing & Outreach: $300k – $1M
- Emergency Fund: $250k – $500k
- Community Partnerships: $150k – $300k
- App & Portal Development: $80k – $200k
- Legal & Compliance: $50k – $120k
- Cloud & Operations: $30k – $80k
- Contingency: $250k
Four-Phase Funding Strategy
- Phase 1: Bootstrap & Founding Capital ($250k–$400k)
- Phase 2: Angel & Mission-Aligned Funds ($1M–$3M)
- Phase 3: Lumara Relief Fund (501c3)
- Phase 4: Revenue-Funded Growth
Cloudflare-first, AI-augmented, and built to scale from day one.
Lumara is designed as a modern, serverless architecture that keeps costs low, performance high, and security strong — while enabling rapid iteration.
Core Technology Stack
- Cloudflare: Pages, Workers, KV, D1, Queues
- Supabase: Postgres, Auth, Vector Search
- Frontend: React + Vite, Tailwind CSS
- Mobile: Planned React Native app
- Backend Automation: Python
- Integrations: Stripe, Twilio/WhatsApp, Zoho Desk
AI Assistance Layer
AI is used as a co-pilot, not a replacement for humans:
- Resource navigator suggestions and scripts
- Immigration Q&A at a "not legal advice" level
- Crisis triage flows, escalation prompts, and follow-up reminders
Compliance and trust remain human-led, with AI augmenting speed and consistency.
From MVP crisis line to a nationwide network of safety hubs.
Lumara launches digital-first and grows into regional hubs and community centers, with a clear, phased service roadmap.
Service Phases
24/7 chatbot + human support, emergency micro-grants, resource navigator, crisis assistance, local resource mapping, basic immigration info library.
"Lumara Shield" response team, verified "Lumara Pros" network, in-app document vault, crisis case navigators, national discount network, family plans.
Micro-loans & savings circles, in-person ambassadors, community center booths, employer partnership programs, local advocacy teams, Lumara Relief Fund launch.
Regional Lumara hubs and full "National Safety Centers" with crisis rooms, training spaces, and family-friendly consultation environments.
12-Month Launch Roadmap
Legal setup, MVP build, marketing prep, pilot with 100–300 members.
Official beta launch, activate micro-grants, national outreach, 5–10 anchor community partners.
10,000+ members, family plans, Lumara Pros network, dedicated crisis team.
Expanded language support, savings/micro-loan pilots, $1–3M angel/mission-aligned funding, regional ambassador program.
50,000+ members, 501(c)(3) arm fully built, hospital/clinic partnerships, first regional hub in development.
We meet immigrant communities where they already are.
Lumara's outreach blends digital channels, community connectors, and on-the-ground presence — designed for trust, not just clicks.
Multi-channel Strategy
- Digital: WhatsApp broadcasts, TikTok immigration creators, YouTube explainers, community Facebook groups
- Languages: Spanish, Pashto, Dari, Arabic, Portuguese and more
- Community Connectors: churches, mosques, temples, Latino and African centers, ESL programs
- On-the-Ground: pop-ups at resource fairs, day labor sites, small groceries, bus stations, community radio
Strategic Partnerships
- Immigration lawyers and reform organizations
- Nonprofit networks like United Way & Red Cross
- Hospitals, clinics, and community health centers
- Employers with large immigrant workforces
Over time, Lumara becomes the default "first call" when immigrant communities face crisis — recommended by organizations they already trust.
The right mix of lived experience, execution, and technical depth.
Lumara's leadership is built around operational excellence, community trust, and technology that doesn't leave people behind.
Luis Muñoz
Responsible for vision, strategy, high-level partnerships, and public advocacy. Brings lived experience and direct connection to immigrant communities.
Cody Rice-Velasquez
Leads operations, systems, implementation, and technology integration. Designs the Cloudflare-first architecture and process backbone.
CTO & CFO
CTO: platform, automation, AI, and infrastructure.
CFO: financial modeling, risk, emergency fund management,
and regulatory alignment.
Organizational Structure
- Member Support (navigators & crisis support)
- Tech & Development (platform & AI)
- Outreach & Partnerships
- Finance & Fund Management
- Legal & Compliance
- Marketing & Storytelling
Legal & Compliance
- LLC for core membership business
- Separate 501(c)(3) "Lumara Relief Fund" for donations and grants
- HIPAA-prep level privacy practices and data security
- Clear disclaimers on immigration information (not legal advice)
- Defined micro-grant policies and crisis protocols
Building the national immigrant safety net starts now.
Lumara is seeking mission-aligned capital to launch the MVP, activate the emergency fund, and scale to the first 50,000+ members in Year 1.
Use of Funds
- Finalize legal structure (LLC + 501c3) and compliance framework
- Build and deploy MVP app, portal, and AI-assisted navigator tooling
- Seed the emergency micro-grant pool for early members
- Recruit and train the founding navigator and outreach teams
- Launch targeted pilot campaigns in key immigrant-heavy markets
Detailed financial model, risk analysis, and sensitivity scenarios are available in the full investor data room.
Why Now
- Immigrant communities face increasing complexity and precarity
- No existing national membership-based safety net dedicated to them
- Technology (Cloudflare, AI, payments) makes this scalable and lean
- Growing appetite for social impact investments with clear business models
Pitch deck · Detailed P&L · 12-month operating plan · Legal & compliance overview