Funding growth where business happens

Funding growth where business happens

Funding growth where
business happens

Whether you run a business, back one or build the platforms they rely on - we deliver fast & flexible finance when and where you need it.

Whether you run a business, back one or build the platforms they rely on - we deliver fast & flexible finance when and where you need it.

Products

For Platforms

For Brokers

Products

For Platforms

For Brokers

$0.0B+

$0.0B+

Funded since 2018

11,520+

11,520+

Businesses backed

4,750+

4,750+

Broker Partners

65

65

Net Promoter Score

$0.0B+

$0.0B+

Funded since 2018

11,520+

11,520+

Businesses backed

4,750+

4,750+

Broker Partners

65

65

Net Promoter Score

$0.0B+

$0.0B+

Funded since 2018

11,520+

11,520+

Businesses backed

4,750+

4,750+

Broker Partners

65

65

Net Promoter Score

Finance that fits your business

Your business moves fast and we keep up - with funding that flexes, scales and supports you at every stage.

Finance that fits your business

Your business moves fast and we keep up - with funding that flexes, scales and supports you at every stage.

Flexible funds at your fingertips

Business Line Of Credit

Access what you need, when you need it

Same-day approval up to $1M

Unsecured options. Limits apply

No ongoing or early repayment fees

Flexible funds at your fingertips

Business Line Of Credit

Access what you need, when you need it

Same-day approval up to $1M

Unsecured options. Limits apply

No ongoing or early repayment fees

Flexible funds at your fingertips

Business Line Of Credit

Access what you need, when you need it

Same-day approval up to $1M

Unsecured options. Limits apply

No ongoing or early repayment fees

Customise funding to your needs

Business Loan

Only with us: pause repayments interest-free

Same-day funding up to $1M

Unsecured options. Limits apply

Flexible terms up to 5 years

Customise funding to your needs

Business Loan

Only with us: pause repayments interest-free

Same-day funding up to $1M

Unsecured options. Limits apply

Flexible terms up to 5 years

Customise funding to your needs

Business Loan

Only with us: pause repayments interest-free

Same-day funding up to $1M

Unsecured options. Limits apply

Flexible terms up to 5 years

Why Lumi

Trusted approach

AFIA member with 7+ years of SME lending expertise leading to $1.5B+ funded to over 15,000 businesses across all major industries.

Trusted approach

AFIA member with 7+ years of SME lending expertise leading to $1.5B+ funded to over 15,000 businesses across all major industries.

Chosen by brokers

7,000+ broker partners choose us for our speed, high quality service and dedicated BDM support.

Chosen by brokers

7,000+ broker partners choose us for our speed, high quality service and dedicated BDM support.

Solid foundations

Institutional backing and category-leading compliance means your business is in safe hands.

Solid foundations

Institutional backing and category-leading compliance means your business is in safe hands.

Same-day funding 

Our proprietary technology evolves with every data point, delivering near-instant credit decisions with precision every time.

Same-day funding 

Our proprietary technology evolves with every data point, delivering near-instant credit decisions with precision every time.

Fair outcomes

Our AI-powered risk engine makes fair lending decisions with transparent pricing to support your business.

Fair outcomes

Our AI-powered risk engine makes fair lending decisions with transparent pricing to support your business.

Embedded finance

Seamless API integrations let you embed funding in-platform, risk-free, unlocking new revenue streams while boosting customer loyalty.

Embedded finance

Seamless API integrations let you embed funding in-platform, risk-free, unlocking new revenue streams while boosting customer loyalty.

Ways to partner with us

Broker Partners

Platform Partners

Broker Partners

Your clients. Our funding. Where growth happens. Partner with Lumi to work smarter, earn more, and empower your business clients with seamless funding, backed by real-time credit decisions powered by our cutting-edge AI risk infrastructure.

Broker Partners

Platform Partners

Broker Partners

Your clients. Our funding. Where growth happens. Partner with Lumi to work smarter, earn more, and empower your business clients with seamless funding, backed by real-time credit decisions powered by our cutting-edge AI risk infrastructure.

Broker Partners

Platform Partners

Broker Partners

Your clients. Our funding. Where growth happens. Partner with Lumi to work smarter, earn more, and empower your business clients with seamless funding, backed by real-time credit decisions powered by our cutting-edge AI risk infrastructure.

Real experiences, real results

See why 7,000+ partners and 15,000+ small businesses work with Lumi to grow, fund, and financially enable their customers to thrive.

What businesses are saying

What brokers are saying

Hands down the best lender in the category.

Have used Lumi for around a year now and found them to be highly responsive to small business needs, and very quick to recognise good clients! 

We look forward to using Lumi as part of our ongoing growth funding needs.

ST - E-Commerce Business

What a great experience

What a great experience, from initial point of contact through to settlement. Communication was clear, regular and their service turnaround time incredible. Couldn't find fault with any part of the process or their offering.

KY - Café Owner

Lumi are great - Highly Recommend

They understand Small Business and tailor manageable facilities to assist in smoothing out cash flow issues. I have used several other providers in the past but have found Lumi to be superior. Very client-focused, quick to reply to any queries.

GE - Plumbing Services

Unbelievably fast to approve

After submitting bank statements to Lumi, my line of credit took less than 24 hours to approve. This is my second finance deal with Lumi and both time I was very pleased with the service and efficiency. 

Strongly recommend them for small and large businesses alike.

JD - Law Firm

Real experiences, real results

See why 7,000+ partners and 15,000+ small businesses work with Lumi to grow, fund, and financially enable their customers to thrive.

What businesses are saying

What brokers are saying

  • What a great experience

    What a great experience, from initial point of contact through to settlement. Communication was clear, regular and their service turnaround time incredible. Couldn't find fault with any part of the process or their offering.

    KY - Café Owner

  • Lumi are great - Highly Recommend

    They understand Small Business and tailor manageable facilities to assist in smoothing out cash flow issues. I have used several other providers in the past but have found Lumi to be superior. Very client-focused, quick to reply to any queries.

    GE - Plumbing Services

  • Hands down the best lender in the category.

    Have used Lumi for around a year now and found them to be highly responsive to small business needs, and very quick to recognise good clients! 

We look forward to using Lumi as part of our ongoing growth funding needs.

    ST - E-Commerce Business

  • Unbelievably fast to approve

    After submitting bank statements to Lumi, my line of credit took less than 24 hours to approve. This is my second finance deal with Lumi and both time I was very pleased with the service and efficiency. 

Strongly recommend them for small and large businesses alike.

    JD - Law Firm

Real experiences, real results

See why 7,000+ partners and 15,000+ small businesses work with Lumi to grow, fund, and financially enable their customers to thrive.

What businesses are saying

What brokers are saying

An absolute pleasure to work with

Lumi has been a pleasure to work with ever since I became a broker. Their technology is cutting edge as it allows me to provide my clients answers in a timely manner, on how they can be supported with cash flow lending. In addition, they have always had hard working, well credentialed BDMs so I have always felt supported. Hence, why I always look to Lumi first as an option for my clients.

CP - Broker Partner, NSW

Lumi combines speed with high-quality service

As a broker, the ability to secure fast, flexible financing for our clients is absolutely crucial. Lumi’s proprietary platform has empowered us to offer lightning-fast approvals to ensure our clients can access the funds they need to grow their businesses when they need it. Beyond speed, their competitive loan and line of credit terms make Lumi the preferred choice for small businesses. What truly sets Lumi apart, however, is the unparalleled support from their Business Development and Relationship Management teams.

CH - Broker Partner, NSW

Competitive loans, great service and quick outcomes

My client had already applied with another lender before exploring different funding options. Lumi provided me with a prompt quote, which was far sharper than what was offered elsewhere. My client's application then got fast tracked as she needed funding promptly to cover wages for a new contract. The application came back from credit within 38 minutes - talk about a speedy outcome. We had a very happy customer who got a fantastic outcome. Once again, well done Lumi for your competitive loans, great service and quick outcomes.

FA - Broker Partner, VIC

Always a pleasure working with Lumi.

In our first year of operation, their outstanding support has been instrumental to our success. 

Thanks to their responsiveness, expertise, and seamless process, we've been able to convert many online leads recently into funded deals. As such, those clients have actively promoted our service, 

and this level of efficiency is only possible with a team moving towards the same goal. Thank you again Lumi!

MS - Broker Partner, WA