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Get a business loan now, start payments in 6 weeks.

Terms & Conditions 

  1. This offer is valid on selected new term loans settled between 19 April 2023 and 30 June 2023. It does not apply to Lumi's Line of Credit product. It can not be applied to existing term loans or lines of credit.
  2. Eligibility for the 6-week Payment Holiday remains subject to credit criteria, terms and conditions & eligibility criteria. We advise you to speak with a Lumi representative to understand if you qualify for the 6-week Payment Holiday.
  3. This promotion is run at the full discretion of Lumi. Its terms and conditions can be changed at any time without notice.
  4. Interest will accrue during the 6-week Payment Holiday but no repayments will be required. Interest that accrues on the loan during the no repayment period is capitalised and included in the total repayable amount due.
2023 EOFY Offer

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 $300,000

Get an answer
within a few hours

Without harming
your credit score

Get funds on the same day

When you provide all relevant information

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 a few 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 $300,000 with flexible terms, and no hidden fees.

Application outcomes within a few business hours
Repayment periods of up to 3 years
Enjoy a 4-week interest-free repayment pause

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 availability period.

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

Customise your loan

Rate Ease™

Rate Ease™

Payment Pause

Payment Pause

Payment Holiday

Payment Holiday

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 a few 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.