Small Business Funding

Flexible funding to fast forward your business

Pause loan repayments for 4 weeks, interest-free, at any time, to focus on your business.
Let's get started
How much are you looking to borrow?

This is how we do it at Lumi
online application
Low doc and unsecured
up to $150,000
Get funds on the same day
When you provide all relevant information
Pause your loan repayments
For 4 weeks interest-free
at any time

At Lumi, we don't believe in surprises.

(at least, not when it comes to finance).
Instead, we provide simple access to structured finance. Offering both loans and lines of credit, Lumi can help give your venture the financial boost it needs.
No guesswork, no hassles, no reading between the lines. Just totally transparent loans to help you get ahead.

A few other reasons why you'll love Lumi...

Application outcomes within 2 hours
Loans and line of credit up to $300k
Repayment periods up to 36 months
No hidden fees or charges
No collateral needed for loans up to $150k
Funds received within the same business day
We're a trusted direct lender
No early repayment fees

Tailored Financial Solutions

Payment Pause

Small business loans

Secured or unsecured loans for up to $300,000 with flexible terms, and no hidden fees.

Application outcomes within 2 business hours
Repayment periods of up to 3 years
Funds available on the next business day

Business line of credit

Flexible revolving line of credit up to a limit of $250k that can be drawn down at any time during the availablity period.

Draw down from $2,000 to $250,000
No collateral needed to secure the loan
No early repayment fees

Why Lumi?

Lumi Logo Tilted Grey

We know that running a small business isn't an easy feat.

You see, we're a small business ourselves and understand the daily challenges facing those who dare to dream big.

Gone are the days of lengthy applications and endlessly jumping through hoops to secure the finance your SME needs. We'll provide you with an accurate, fair and honest lending solution that's tailored to your small business.

High-five to that.

High Five

Here's how it works:

Step 1
Step 2
Step 3

Do you qualify?

Qualify Tick
Here's what you need to get started:
A minimum of 6 months in business
A gross annual turnover of at least $50,000

We take the hassle out of applying for a small business loan, so you can concentrate on what's most important (like running your business).

Don't just take our word for it though. Here's what some of our satisfied customers have had to say.

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My cashflow was suffering and my business with it. The team at Lumi had the money in my account the following day, with fantastic service, support, and prices - I'll definitely be back for more!

Testimonial Photo

Professional, helpful and very fast in offering numerous options suitable to your business model. Very impressive company.

Testimonial Photo

Summer is typically slow for me and I had bills to pay. Lumi waved away my headache with a quick finance solution in easy weekly repayments.

Transparent Pricing

Our pricing is fair, straight-forward and transparent. You can even use our calculator to find out your estimated weekly loan repayments before you apply.

I want to borrow
on a
loan term

Your estimated weekly repayment


Sound good?

Apply online today and receive a lending decision within just 2 hours.