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small business funding

Get up to $500,000
business funding

Apply online and receive funds on the same day.

Let's get started

How much are you looking to borrow?

Business Funding with Lumi

Apply online in
less than 5 minutes

Secured up to $500K and
unsecured up to $300K

Get approval
within a few hours

With funds in your bank account
on the same business day

Pay your loan back

Fully transparent costs, no
hidden or early payout fees.

What makes Lumi business funding different?

At Lumi we understand that not all businesses are created equal. Every business has its unique needs and circumstances that need to be factored into account when assessing a business loan application.

Too often lenders overlook this important fact and apply a one-size-fits-all approach to credit approval, which can often limit small businesses that maybe haven’t been trading for as long, or haven’t yet established a longstanding credit history, to access much needed funds. This is a real problem because it holds successful businesses back from achieving their full potential. This is exactly what we are trying to change here at Lumi.

We offer business funding in the form of term loans and lines of credit from $5,000 - $500,000 and are flexible in applying our lending criteria when assessing loan applications. We don’t look at one criteria in isolation, we always assess based on the bigger picture and most importantly we will always do our best to make it work and provide you with the funds you need to grow your business.

Another important difference between us and other lenders is our easy 5-minute online application process and the fast turnaround of application assessments. We know time is money, especially for small business owners (we are a small business ourselves), so we pride ourselves in providing you with an application outcome within a few business hours and you can even receive the funds on the same business day provided that you give us all the necessary information.

Here are some tips on how to prepare your business funding application to speed up the process:

  • Provide your ABN or ACN

  • Make sure you have at least 12 months of bank data available to review. During the application our system will automatically connect with your bank to securely review this data and assess your financial situation. No more need to provide paper or digital copies of your bank statements.

  • Include one or two guarantors to strengthen your application. This can be especially helpful if you choose to apply for unsecured funding as it will help to reduce the overall risk.

  • Know your personal and business credit scores before you apply and improve your credit rating where relevant to not only improve your chances of loan approval but also secure a better interest rate and loan terms.

  • Know how much you can afford to borrow and apply for a realistic amount. Many applicants have a wrong perception of how much they can afford to borrow and then apply for an amount that is completely out of reach. To avoid disappointment we recommend you use a business loan calculator before you apply to understand how much you can afford to borrow.

You can always reach out to our team with any questions you may have regarding your business loan application. We’re here to help guide you through the process.

Get in touch with us via email at or phone on 1300 00 5864. If you’re ready to apply for business funding, you can do so here.