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Level up with Lumi

business funding

Let's get started

How much are you looking to borrow?


This is how we do it at Lumi

Apply in
5 minutes

Low doc and unsecured up to $300,000


Fuss-free application with no paperwork


Funds as early as the next business day

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

Application outcomes within 2 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 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.


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 loan repayment 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


Finally, choose the annual interest rate

Our interest rate can start from 14% APR (Annual Percentage Rate), and you'll be quoted a specific rate based on the financial position of your business.


Your Monthly Payment

Repayment amount is estimated based on your chosen loan amount, % APR (Annual Percentage Rate) and term length, including an origination fee of 2.5 % of the total loan amount.


Total Interest



Total Repayment