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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?

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This is how we do it at Lumi

5-minute
online application

Low doc and unsecured up to $300,000

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.

Loving Lumi

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

Application outcomes within 2 hours
Loans from $5,000 - $500,000
Repayment periods of 3 - 36 months
No hidden fees or charges
No collateral needed for loans up to $300,000
Funds received within the same business day
We're a trusted direct lender
No early repayment fees

Tailored Financial Solutions

Small business loans

Secured or unsecured loans for up to $500,000 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 $500k that can be drawn down at any time during the availability period.

Draw down from $2,000 to $500,000
No collateral needed to secure the loan
No early repayment fees

Lumi Kickstarter

Need funding to kickstart your business? Apply for Lumi Kickstarter, a dedicated loan to help COVID impacted businesses get back on track.

Credit assessment based on pre- and post COVID restrictions
Start repayments up to 8 weeks later
Option to later refinance your loan to a standard term loan

Why Lumi?

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

Are you ready to apply for business funding?

You’re only a few online steps away from submitting your business finance application with Lumi.

Tick the boxes to check if you’re ready to apply.

Min 6 months in business
Active ABN or ACN
Min $5,000 monthly revenue

Receive a lending decision within just 2 hours

Our Customers Love What We Do

At Lumi, we are proud to help thousands of Aussie SMEs to fast forward their business by providing easy access to flexible, fair and transparent finance. Sounds too good to be true? Hear it directly from our happy small business customers.

Repayment
Calculator

Remember how we promised flexible, fair and honest lending solutions?

We pride ourselves on being completely transparent with our loans. So, why not crunch the numbers and see for yourself using our handy Business Loan Calculator?

Oh, and did we mention there won’t be any hidden fees or extra costs? Go on, try it for yourself.

Enter your desired loan amount

$

Choose a repayment period

months

Finally, choose the annual interest rate

Our interest rate can vary from 9% - 24% Simple Interest Per Annum, depending on the borrower’s credit and risk profile.
9
15
24
$

00.00

Your Monthly Payment

Repayment amount is estimated based on your chosen loan amount, % Simple Interest Per Annum and term length, including an origination fee of 2.5% of the total loan amount.
$

0.00

Total Interest

$

00.00

Total Repayment