Low doc and unsecured up to $150,000
When you provide all relevant information
For 4 weeks interest-free
at any time
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.
Secured or unsecured loans for up to $300,000 with flexible terms, and no hidden fees.
Flexible revolving line of credit up to a limit of $250k that can be drawn down at any time during the availability period.
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.
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.
We are committed to supporting the national vaccine roll-out with the aim to keep everyone safe and to help Aussie small businesses thrive, not just survive. Therefore, we will offer vaccinated small business owners $100 cashback that can be redeemed once approved for a Lumi loan. It’s simple. Get vaccinated, apply and get approved for a Lumi loan online here, redeem your cash back.
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.
Great experience, awesome product! Speedy approval, friendly interactions. Very good service. Start up's best friend!
Dylan is very helpful and provided excellent service.
They were so easy to deal with, very quick approval, money was in the bank the same day!
Very good service, quick response and approval. Recommended.
Excellent service fast and friendly (5 Stars).
Danielle was very nice in helping me through my application, she didn't treat me like another transaction but instead made me feel important, she's very caring indeed.
I have used Lumi Finance four times over the past three years for upgrading facilities at my motel. They are fantastic to deal with, applying is incredibly easy with minimal paperwork, quick approval and funds deposited the same day. Highly recommend Stephen Lew who always goes out of his way to make everything run smoothly.
The flexibility Lumi offers with Payment Pause helps me in the hospitality industry, in dealing with the uncertainty Covid 19 has created with sudden lock downs. Cash flow is king, and this smooths out uncertain times, allowing me to rebound with confidence and with the added bonus of not being charged interest during the Paused period.
As a new business opening during the covid-19 pandemic we were challanged from the start financially unable to get assistance from the banks and no goverment funding. We struggled with cash flow due to three factors and fell into a short term hole. Thanks to Lumi we are now back in the game. A smooth transaction and fantastic customer service has taken us from doom and gloom to onwards and upwards. Our cash flow is on the up and new practices in place along with a better business structure. Very happy customer! thanks Lumi
Very quick and efficient service with follow up where required.
This was a pleasure to do business with this company and their staff in less than 48 hour they resolved my debt problem very efficiently and willingness. For sure I recommend them and I’m sure I will do business again. Thank you. Adriana
Prompt, polite service. Talked me through the whole process over the phone and confirmed the loan within a couple of hours from the first contact. Couldn't be happier.
Lumi was fast, easy to work with and really responsive
The experience was straight forward and smooth, almost all of it conducted online, so it could be taken care of after hours or at irregular times Which is especially helpful if you’re very busy during the day. All staff were polite, courteous and across the board knowledgeable on the loan terms and what was needed to be provided.
Easy to deal with by being very friendly on phone and helpful with a quicker than expected result. Pleasure to deal with.
It was very simple and professionally processed. Stephen was great and great to deal with and secondly Darrel. I was amazed with the service.
Our building company has dealt with a few lenders in the past and our experience was definetly not the best. Dealing with Dylan from Lumi was a breeze and highly recommend this company for short term finance. Happy to vouch and will use again in the future.
We have applied and taken a Small Business Loan from Lumi and the payment pause for a month allowed us to set up the business without worrying about repayments/Cash flow. Worked out very well.
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.
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