AUSTRALIA'S #1
BUSINESS LINE OF CREDIT
Flexible funds at your fingertips
Borrow what you need, pay for what you use.
AUSTRALIA'S #1
BUSINESS LINE OF CREDIT
Flexible funds at your fingertips
Borrow what you need, pay for what you use.
Same-day funding up to
$1,000,000
Unsecured options
Limits apply
Flexible terms up to
5 years
Lowest fees
No ongoing or early
repayment fees
Apply online in minutes
Borrow money as you need
Only pay interest on what you use
Easily manage credit line online
Apply online in minutes
Borrow money as you need
Only pay interest on what you use
Easily manage credit line online
Apply online in minutes
Borrow money as you need
Only pay interest on what you use
Easily manage credit line online
Like a business credit card, but smarter
Flexibility to seize opportunities.
Flexibility to seize opportunities.
Safety-net to manage cash flow.
Always-on access to funds.
Flexibility to seize opportunities.
Flexibility to seize opportunities.
Safety-net to manage cash flow.
Always-on access to funds.
Line Of Credit at a glance
Up to $1M
Amount
Up to 5 years
Terms
Weekly
Repayments
Unsecured options
Limits apply
From 15.5% APR
Rates
Approval & funding on the same business day
Timeline
No early repayment fees, no hidden fees
Transparent pricing
Up to $1M
Amount
From 15.5% APR
Rates
Up to 5 years
Terms
Approval & funding on the same business day
Timeline
Weekly
Repayments
No early repayment fees, no hidden fees
Transparent pricing
Unsecured options
Limits apply
Eligibility criteria
6 months+ in business
50K+ annual revenue
Valid ABN/ACN
Eligibility criteria
6 months+ in business
50K+ annual revenue
Valid ABN/ACN
Eligibility criteria
6 months+ in business
50K+ annual revenue
Valid ABN/ACN
Best for…
Managing cash flow fluctuations
To smooth out irregular income or expenses.
Covering short-term costs
For everyday needs like payroll, rent, utility bills, or urgent repairs.
Covering short-term costs
For everyday needs like payroll, rent, utility bills, or urgent repairs.
Seizing opportunities in real-time
To buy last-minute deals on inventory, respond to urgent orders etc.
Seizing opportunities in real-time
To buy last-minute deals on inventory, respond to urgent orders etc.
Why Lumi Business Line Of Credit
Why Lumi Business Line Of Credit
For Businesses
Flexible access to ongoing funds with zero ongoing fees.
For Businesses
Flexible access to ongoing funds with zero ongoing fees.
For Brokers
Flexible access to revolving capital for your clients. Recurring revenue for you.
For Brokers
Flexible access to revolving capital for your clients. Recurring revenue for you.
For Platforms
Flexible funding for your clients. New revenue streams for you.
For Platforms
Flexible funding for your clients. New revenue streams for you.
How it works
How it works
For Businesses
For Brokers
For Platforms
For Businesses
Step 1: Apply
Easily apply online in minutes.
Step 2: Review
Our team reviews your application within minutes to a few business hours.
Step 3: Fund
Approved? Funds are in your account the same business day.
For Businesses
For Brokers
For Platforms
For Businesses
Step 1: Apply
Easily apply online in minutes.
Step 2: Review
Our team reviews your application within minutes to a few business hours.
Step 3: Fund
Approved? Funds are in your account the same business day.
For Businesses
For Brokers
For Platforms
For Businesses
Step 1: Apply
Easily apply online in minutes.
Step 2: Review
Our team reviews your application within minutes to a few business hours.
Step 3: Fund
Approved? Funds are in your account the same business day.
Frequently Asked Questions
Frequently Asked Questions
How fast can I access my funds?
Funds can typically be accessed on the same day as they are approved.
How fast can I access my funds?
Funds can typically be accessed on the same day as they are approved.
What can I use the credit line for?
Cash flow management, paying staff or invoices, working capital, inventory, equipment, expansion, or any legitimate business purpose.
What can I use the credit line for?
Cash flow management, paying staff or invoices, working capital, inventory, equipment, expansion, or any legitimate business purpose.
Do you require collateral?
Most Business Line Of Credits up to $300,000 are unsecured. Larger amounts may need property backing.
Do you require collateral?
Most Business Line Of Credits up to $300,000 are unsecured. Larger amounts may need property backing.
What's the maximum business line of credit amount?
Up to $1M for qualified businesses.
What's the maximum business line of credit amount?
Up to $1M for qualified businesses.
Can I pay off early?
Yes. No prepayment penalties on any credit line.
Can I pay off early?
Yes. No prepayment penalties on any credit line.
How do broker partnerships work?
Get accredited. Submit applications through our portal. Earn competitive commission and lifelong trails. Get dedicated support.
How do broker partnerships work?
Get accredited. Submit applications through our portal. Earn competitive commission and lifelong trails. Get dedicated support.
What does platform embedding include?
Full API access, white-label interface, co-branding options and technical support. Book a free demo.
What does platform embedding include?
Full API access, white-label interface, co-branding options and technical support. Book a free demo.
What industries do you work with?
Most industries accepted.
What industries do you work with?
Most industries accepted.
How is Lumi different from banks?
Faster approval, more flexible terms, and customisable structures. We're built for speed and adaptability.
How is Lumi different from banks?
Faster approval, more flexible terms, and customisable structures. We're built for speed and adaptability.