Lumi is committed to helping small businesses through the current period of uncertainty. If you are an existing Lumi customer and experiencing hardship as a result of COVID-19 please complete our hardship form here.

Small business funding

without the guesswork

Business loans from $5k - $200k on flexible terms.


At Lumi, we don't believe in surprises.

(at least, not when it comes to finance).
Instead, we pride ourselves on offering straight-forward loans to 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 from $5,000 - $200,000
Repayment periods of 3 - 18 months
No hidden fees or charges
No collateral needed for loans up to 100k
Funds received within the same business day
We're a trusted direct lender
No early repayment fees

Why Lumi?

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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?

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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!

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

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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.