Four Wins, One Mission: Lumi’s Ongoing Commitment To Empowering SMEs
At Lumi, we’ve always had a clear mission: to give Australian SMEs access to the capital they need to grow – faster, fairer and more flexibly. We are thrilled to announce that this mission has been recognised with four prestigious wins at the 2025 WeMoney Awards in Australia, including the top honour: Small Business Lender of the Year.
This mission is the driving force behind everything we do, from the innovative products we create to the dedicated support we provide.
As a result, we are incredibly proud to have won:
🏆 Best for Line of Credit (two years running)
🏆 Best for Value – Business Loans
🏆 Best for Flexibility – Line of Credit
For us, these awards are more than just trophies. They are a powerful affirmation that our approach to lending makes a real difference for Australian businesses. Being named the Small Business Lender of the Year is a testament to our unwavering commitment to the vibrant SME community in Australia. Ultimately, this achievement reflects how far the sector has come and how Lumi is helping to shape its future for the better. We are incredibly proud and we want to share exactly how we’re doing it.
A Mission-First Approach To SME Lending
From day one, Lumi focused on solving one core problem. Specifically, how can we make capital more accessible for businesses often overlooked by traditional finance?
We know that SMEs are the backbone of the Australian economy. However, they frequently face significant hurdles when seeking funds to thrive.
For instance, a retailer might need to purchase stock for the holiday rush. A construction firm might need to cover wages while waiting on a large invoice. These are the real-world scenarios we address.
Therefore, we built our lending solutions for these unique challenges. We tackle issues like unpredictable cash flow, seasonal swings and urgent growth opportunities head-on.
Most importantly, we do it in a way that protects the long-term financial health of our clients. We believe in sustainable growth, not short-term fixes.
Our dedication to this cause has produced tangible results.
To date, we have proudly delivered over $1.5 billion in funding to more than 15,000 Australian SMEs. While this is a milestone we celebrate, we know our work is far from over.
In reality, we are just getting started on our journey to empower every Australian business.
The recognition from WeMoney as the Small Business Lender of the Year fuels our passion. It pushes us to continue innovating and serving the SME community with even greater dedication.
Why These Awards Matter
The 2025 WeMoney Awards represent a significant moment of recognition. This is true not just for Lumi, but also for the entire SME finance ecosystem.
Similarly, topping the award categories for our Business Loan and Line Of Credit shows that our solutions meet the real, everyday needs of businesses.
Above all, we know we did not achieve this alone.
This success is built on the unwavering trust of our SME customers. It is also a result of the passion and dedication of our broker partners.
Furthermore, it stems from the tireless innovation of our talented team.
For this reason, we are immensely grateful.
Thank you to every partner, client and stakeholder who has been a part of our journey. Your support and feedback are instrumental in shaping our products and services. These awards are as much yours as they are ours.
Flexibility, Speed And Fairness: Built Into Every Lumi Product
1. Lumi Line Of Credit – Best in the market & Best for Flexibility
What truly sets Lumi apart?
It’s our unwavering focus on flexible capital that works with the rhythm of a business, not against it.
We firmly believe that funding should enable growth, not create stress.
Our award-winning Business Line Of Credit is a prime example.
Winning ‘Best for Line of Credit’ for the second year running, in addition to ‘Best for Flexibility’, highlights its power.
It provides ongoing access to funds. This allows businesses to draw down what they need, when they need it.
Crucially, SMEs only need to pay interest on the funds they use.
This makes it the perfect solution for managing cash flow, covering unexpected expenses or seizing new opportunities without needing to reapply each time.
2. Lumi Small Business Loans – Best for Value
Our Small Business Loan won ‘Best for Value’.
This loan is designed specifically to provide businesses with the capital they need for significant investments in growth. However, we didn’t stop there.
We also introduced unique features to provide even greater flexibility and support.
For instance, our Rate Ease™ feature is the only rate-reducing business loan on the market. It actively rewards customers for their loyalty. As business owners make their repayments on time, their interest rate can decrease over the life of the loan.
This means SME funding can become more affordable over time.
Furthermore, we built in safety nets for life’s unpredictability. With Payment Pause and Payment Holiday, we offer genuine flexibility for those times when business doesn’t go exactly as planned.
This support provides invaluable peace of mind when it’s needed most.
Embedded Finance: Powering The Next Frontier In SME Lending
The way businesses access finance is changing. Lumi is at the forefront of this transformation.
Through Lumi Embedded Finance, we are bringing funding directly into the platforms SMEs use every day. Think of accounting software, payroll systems, e-commerce sites and payment gateways.
Essentially, this means no extra logins and no disruption to their workflow. Instead, businesses get seamless access to capital at the very moment they need it.
The benefits are twofold.
For our platform partners, it unlocks new revenue streams. Moreover, it increases user engagement and helps with retention. They can offer valuable financial services without the complexity of becoming a lender themselves.
For SMEs, however, the advantages are even more significant. They can access funding faster and more conveniently. It’s all done right inside the tools they already use to run their business.
Ultimately, this leads to better alignment with real-time business needs. It means less friction, more control and more opportunities for growth.
As our Deputy CEO, Anna Hawter, recently said, “We’re embedding finance into the very tools SMEs use to run their businesses. This is the biggest opportunity since we launched Lumi.”
The embedded finance market is expected to exceed $1 trillion globally by 2032.
For Lumi, this is not just a trend. It is a strategic leap forward. We are democratising access to capital at the exact point it is needed.
What’s Next For Lumi?
Lumi has always been a future-focused company. We are constantly looking ahead and anticipating the future needs of SMEs to develop innovative solutions.
At the same time, we are deepening our relationships with our valued broker partners.
Our goal is to build a lending ecosystem that is not just faster, but also smarter and more seamless. It’s deeply embedded into the flow of modern business.
As we continue to grow and evolve, one thing remains constant. That is our unwavering mission to support Australia’s most ambitious SMEs.
We will always provide funding that truly fits their needs and are committed to continuous innovation, by listening to our customers and providing the best possible funding solutions to help them achieve their goals.
For us, this recognition is not an end point. Instead, being recognised as Australia’s Small Business Lender of the Year is a catalyst to strive for even greater heights.
A Final Word: Thank You
To our valued SME customers, our dedicated broker partners, and the incredible Lumi team: thank you. These wins truly belong to all of you. Your trust, support and hard work are the foundation of our success. For that, we are incredibly grateful for your partnership.
We also extend our thanks to WeMoney. Thank you for recognising the work we have done and the work we will continue to do for Australian small businesses.
We are incredibly excited about the future. Indeed, we are more committed than ever to our mission of funding growth where business happens.
