Lovable Enterprise is the contract plan that adds directory sync (SCIM), audit logs, scheduled deep security scans, sensitive data detection and regional code hosting on top of everything Business already includes. Business, at $50 a month for 100 credits, already covers single sign-on, role-based access, the Security center and internal publishing. Most finance teams need Business. Enterprise earns its price only when provisioning, auditability or data residency are hard requirements.
Verified in the browser on 5 October 2026: the Lovable pricing page read logged out, the subscription-plans comparison tables, the Lovable for Enterprise overview, the SCIM documentation, the audit logs documentation and the changelog. Lovable ships weekly and the Enterprise surface changed materially during the last week of September and the first week of October, so every figure below carries its date. Every price and plan-gate figure in this article was re-checked on 7 October 2026 against the live pricing page, the subscription-plans table, the SCIM documentation and the changelog, and none of them had moved.
The page that currently ranks first for this question is a competitor's sales article published on 25 August 2026. It predates EU inference, chat send protection, the Insights adoption dashboard, the Aikido and Wiz scanners, GitLab and Bitbucket sync, and the rewritten Enterprise overview. This article is written from the documentation as it stands today.
What Lovable Enterprise actually is
Enterprise is not a bigger Business plan. It is a different commercial arrangement. Business is self-serve: you pick a credit tier, pay by card and start. Enterprise is quoted. The pricing page shows no number for it at all, only the words platform fee, volume based pricing and a Book a demo button, read logged out on 5 October 2026.
What you are buying with that quote is governance, not capability. Nothing about how Lovable builds an app changes between the two plans. The builder is the same, the credits work the same way, the connectors are the same catalogue. What changes is who can do what, what gets recorded, and where the code and the model requests live.
Lovable's own Enterprise overview groups the plan into seven areas: identity, governance, security, auditability, adoption, data and code control, and compliance. That framing is useful because it maps cleanly onto the questions a finance team gets asked when it tries to put an internally built tool in front of a controller or an auditor.
Lovable Enterprise vs Business, control by control
This is the comparison the ranking pages do not publish. Every row below was read from Lovable's own documentation or its pricing page on 5 October 2026.
Two rows deserve emphasis because they are the ones most often reported wrongly. SCIM and audit logs are Enterprise. Not Business. The screenshot above is Lovable's own plan table and both rows show a dash in the Business column.
The SCIM and audit log conflict, resolved
Through late September there was a genuine contradiction in Lovable's own material. The Microsoft partnership blog post of 28 September 2026 listed SCIM and audit logs under Business and Enterprise. The SCIM documentation said Enterprise. Three independent checks on 5 October 2026 now agree with the documentation:
- The subscription-plans comparison table shows a dash for SCIM and for Audit logs in the Business column and Yes in the Enterprise column.
- The audit logs page states plainly that the feature is available on Enterprise plans, for workspace admins and owners.
- The pricing page Enterprise card lists Directory sync (SCIM) and Audit logs as things Enterprise adds on top of all Business features.
The SCIM documentation adds a prerequisite that catches teams out at the quote stage: SCIM needs at least one verified domain and an active SSO provider already in place, and during setup you map at least one identity provider group to each of the Admin, Editor and Viewer roles. SCIM is not a switch. It is a project.
One warning in that page is worth repeating to anyone running a finance workspace: group mappings apply to the workspace owner too, and a group mapped to Owner grants the Owner role to every member of that group. Keep the owner out of mapped groups.
The audit log itself is more detailed than the plan card suggests. It records membership and role changes, group changes, verified domains, SSO provider changes, SCIM actions, API key creation and revocation, requests refused by an API key IP allowlist, secrets changes, custom MCP servers, project creation, publishing, remixing, prompts sent, knowledge updates, database queries and Cloud auth changes. Each row expands to structured JSON and carries the actor, their IP address and their user agent. Actions driven through the Lovable API also carry the API key id, so a change made by a token is traceable to that token.
Retention is 13 weeks, roughly 90 days. Longer retention and forwarding into a security information and event management system are arranged through the account team rather than configured in the product. If your retention policy is a year, that is a question for the quote, not an assumption.
What Enterprise takes away, which nobody mentions
Every comparison article treats Enterprise as a superset of Business. On credits, it is not. The subscription-plans note is explicit: Enterprise plans do not include the daily chat allowance, the 5 daily build credits, or the monthly Cloud and AI grants that Free, Pro and Business all get. Enterprise terms are volume based and negotiated instead.
For a finance team this matters more than it sounds. On Business, five daily build credits across roughly thirty days is about 150 credits a month at no extra cost, with no monthly cap, which is how a small team iterates on an internal tool without touching its paid balance. Move to Enterprise and that free floor disappears into the contract. The unit economics of a Lovable build are covered in detail in the cost breakdown, and the credit ladders themselves belong to the pricing guide.
Enterprise defaults are also tighter in ways that can slow a team down if nobody is warned. The Microsoft Copilot Managed Runtime connector is available on Business and Enterprise, but on Business workspace admins can create connections by default, while on Enterprise the connector stays disabled until an admin explicitly allows it. Third-party MCP client access is disabled by default on Enterprise too. Those are sensible defaults for a bank. They are also two support tickets on day one.
One small Enterprise-adjacent change is genuinely useful for anyone reconciling a Lovable invoice. Since 24 September 2026 the member list export from workspace settings carries two extra columns at the end of the CSV, Effective Credit Limit and Credit Limit Source, showing the limit that actually applies to each member and whether it came from their personal limit, the workspace default, or is not set at all. The older Credit Limit column shows personal limits only, which is why monthly totals used to refuse to add up. That export is available on paid plans; the bulk CSV import of limits in the other direction is Enterprise only.
What Business already covers for a finance team
Before paying for governance you do not need, it is worth being precise about how far Business goes. Read from the pricing page and the plan tables on 5 October 2026, Business includes everything on Pro plus a team workspace, role-based access, internal publish, personal projects, workspace single sign-on, the Security center, design templates and priority support. The documentation adds Security insights, the Insights adoption dashboard, commit attribution, the Lovable API, preview link passwords and expiry, workspace groups, branded app URLs, restricted projects, app login method lock-down and workspace-level connector controls.
In practice that is enough to run a finance team's internal tooling properly. Staff sign in with the company identity. Apps publish to workspace members only. A controller can see every tool the team has built and who owns it. Credit limits per member stop one person burning the budget. The workspace roles and draft workflow that make this work day to day are covered separately in the team workspace guide.
What Business cannot do is prove any of it to a third party after the fact. There is no audit log. That single gap is the honest dividing line.
A decision rule for finance teams
Four situations come up repeatedly. Three of them are Business.
Business is enough: an internal tool for a team that already has single sign-on
A budget variance dashboard, a reconciliation helper, an expense approval queue, an investor update portal. Staff only, published internally, no external users, no formal audit requirement beyond what your existing systems record. Business at $50 a month for 100 credits covers it, and the free daily build credits cover most of the iteration.
Business is enough: a client-facing portal with a handful of external users
Clients are application end users, not workspace members, so they do not consume anything on the Lovable side of the plan. Per-project login methods and row-level access rules handle them. The portal build itself is worked through in the client portal article.
Business is enough: an agency or consultancy shipping client work
Collaborator roles, restricted projects and branded URLs cover handover without seat fees. The agency workflow is covered separately.
Enterprise is the honest answer when any of these is non-negotiable
- An auditor or internal control function requires a tamper-evident record of who changed what, with actor and IP address. There is no Business substitute.
- Joiners, movers and leavers must flow from the identity provider automatically. Manual membership in a workspace of two hundred people fails its first access review.
- Repository data or model requests must stay in a named region. GitHub Enterprise data residency and EU inference exist only on Enterprise.
- Sensitive data must be detected, and optionally blocked, before it is pasted into a build prompt. Chat send protection has three modes: log only, ask before sending, and block original, where the original message is discarded and not logged.
- Publishing externally must be impossible for ordinary editors rather than merely discouraged by a default.
The extended-retention row is the one that surprises people, because it runs the opposite way to expectation. An Enterprise workspace is the only one that is restricted to zero-data-retention models by default, and opting out of that restriction is a deliberate admin action behind a consent dialog. On Free, Pro and Business the model retention question is simply not exposed. If a model retention policy has to be written down and defended, that is an Enterprise answer.
If none of those five is a hard requirement, a quote conversation will cost you more in time than the controls will return. Start on Business. The migration path exists: Lovable's Enterprise FAQ says sales will set up the Enterprise workspace and migrate members and projects, and downgrading between paid tiers keeps unused credits until their original expiry.
What changed in the last two weeks
Four changelog entries since 29 September 2026 move the Enterprise line, and none of them appear in any third-party comparison yet.
EU inference is the one to flag in a procurement conversation. The changelog states that some models and features are not available in the European Union and that the workspace uses more credits while it is enabled. A request that no EU endpoint can serve fails rather than quietly running elsewhere, which is the correct behaviour for a residency control and the wrong surprise for a team that has not budgeted for it.
The API key IP allowlist is a Business feature, which is a small but real counterexample to the idea that every new control lands on Enterprise. Workspace API keys and what they unlock sit outside the scope of this article.
The cost question: priced versus quoted
Business is public. $50 a month for 100 credits, read on the pricing page on 5 October 2026, rising through eleven credit tiers to $4,300 a month for 10,000 credits, with annual billing offered at a lower effective monthly rate. Pro starts at $25 a month for 100 credits. Those ladders were unchanged from the previous reading.
Enterprise has no public price. The card shows a platform fee plus volume based pricing. That means two separate lines in a quote: a platform component for the governance surface, and credits priced on committed volume. A finance team asking for budget approval should ask for both separately, because only one of them scales with usage.
There is no public conversion rate between the two, and anyone publishing one is guessing. What can be said from the documentation is that the Business ladder is roughly twice the Pro ladder per credit from 100 through 5,000 credits and converges above that, and that Lovable's own pricing FAQ attributes the Business premium to the governance features rather than to compute.
One more thing worth knowing before the renewal conversation. The documentation lists what stops working on a downgrade: scheduled security scans and scheduled data exports stop running, verified email sign-up stops adding new members, announcement banners stop showing, and apps published to workspace members stay live but stop receiving new publishes until you make them public again or upgrade. Configuration is kept, but plan-dependent workspace defaults reset and are not restored by a later upgrade.
Before you ask for an Enterprise quote
- Verify a domain and get workspace single sign-on working on Business first. SCIM requires both, so this work is not wasted either way.
- Decide your audit log retention requirement in weeks. The product keeps 13. Anything longer is an account-team conversation, not a setting.
- Map your identity provider groups to the Admin, Editor and Viewer roles on paper before the setup wizard, and keep the workspace owner out of every mapped group.
- Count how many projects a scheduled deep scan would cover. It bills 1 credit per project per run, so a weekly scan across forty projects is 160 credits a month before anybody builds anything.
- Ask whether EU inference is a requirement or a preference, and get the list of models it excludes in writing.
- Model the loss of the daily build credits and the monthly Cloud and AI grants into the committed credit volume.
- Confirm whether publishing controls need to be enforced or merely defaulted. Defaults are Business. Enforcement is Enterprise.
Frequently asked questions
What is the difference between Lovable Business and Enterprise?
Business is the self-serve top tier and includes workspace single sign-on, groups, the Security center, Insights, app login methods, design templates, branded app URLs, restricted projects and training data exclusion by default. Enterprise is a contract plan that adds SCIM provisioning, audit logs, scheduled deep security scans, sensitive data scanning and chat send protection, EU inference, GitHub Enterprise connections, build secrets, invitation and publishing restrictions, project transfer controls and a dedicated account team.
How much does Lovable Enterprise cost?
Lovable does not publish an Enterprise price. The pricing page shows a platform fee and volume based pricing with a Book a demo button, checked on 5 October 2026. Business is published at $50 a month for 100 credits. Treat any third-party article quoting a specific Enterprise figure with suspicion.
Does Lovable Business include SCIM or audit logs?
No. Both are Enterprise only. This was genuinely ambiguous in late September 2026 because a Lovable blog post listed them under Business and Enterprise, but the pricing page, the subscription-plans comparison table and the SCIM and audit logs documentation all agree on Enterprise as of 5 October 2026.
Which identity providers does Lovable support?
Any OIDC or SAML 2.0 provider for single sign-on, with step-by-step guides published for Okta, Auth0 and Microsoft Entra ID. SCIM is supported for Okta, Microsoft Entra ID through a SAML application, and any SCIM 2.0 compliant provider. Single sign-on needs a verified domain before the Add provider button becomes active.
Is Lovable SOC 2 compliant?
Lovable publishes SOC 2 Type II, ISO 27001:2022, AIUC-1 and GDPR with a data processing agreement, listed on its Enterprise overview and trust portal. Those are platform attestations. They say nothing about whether the application your team builds handles data correctly, which remains your responsibility. That distinction is worked through in the financial data safety article.
Can we start on Business and move to Enterprise later?
Yes. Lovable's Enterprise FAQ says the sales team sets up the Enterprise workspace and migrates members and projects, and configures SCIM, audit logs and any Enterprise-only controls. Doing the verified domain and single sign-on work on Business first shortens that migration, because SCIM depends on both.
The short version
For most finance teams the answer is Business. It buys the controls that actually change daily behaviour: company sign-in, roles, internal-only publishing and a workspace view of what has been built. Enterprise buys evidence and enforcement, and it is worth its quote when an auditor, an access review or a data residency policy makes those non-negotiable rather than nice to have.
If you are weighing it up, the full platform assessment sits in the Lovable review, and you can compare the plans yourself on the Lovable pricing page before anybody talks to sales.
Teams that want help scoping the governance side of a Lovable rollout, or deciding whether Business genuinely covers their case, can reach TJ Alam through his certified Lovable Expert listing in the partner directory.
Start a Business workspace on Lovable if the controls above match what your finance team needs, or book time through the partner directory first if you would rather have the plan gate checked against your own requirements before you pay for anything.
References
- Lovable pricing, read logged out in the browser 5 October 2026
- Lovable documentation, Subscription plans, 5 October 2026
- Lovable documentation, Lovable for Enterprise, 5 October 2026
- Lovable documentation, SCIM provisioning, 5 October 2026
- Lovable documentation, Audit logs, 5 October 2026
- Lovable documentation, Insights, 5 October 2026
- Lovable changelog, entries 23 September to 6 October 2026
- Lovable documentation, Microsoft Copilot Managed Runtime, 5 October 2026
About the author
TJ Alam is a certified Lovable Expert on the Website Builder track, founder of Digi Flock Enterprises, and has built tjalam.com and cyberdance.in with Lovable. He works with teams on finance and trading tooling and keeps the Lovable plan gates in this series re-verified against the live documentation before each article.
Disclosure: MoneyFlock may earn a commission if you subscribe to a Lovable Business plan through links in this article, at no extra cost to you. TJ Alam is a certified Lovable Expert.