EMBEDDED FINANCE
EMBEDDED FINANCE
Turn funding into a feature
Turn funding into a feature
Help your customers access the finance they need without leaving your platform.
Help your customers access the finance they need without leaving your platform.
Key benefits
For Platforms
For Businesses
Unlock a new revenue stream
Earn money every time a customer gets funded. No setup fees, no monthly costs. Just straightforward commissions that add up fast.
Offer finance without the complexity
Your customers see seamless financing. You see new revenue. We handle everything else.
Keep customers loyal
By helping them handle their core business and get funding in one place, you improve your platform value and build an ecosystem they won't want to leave.
Seamlessly Integrate our API
Most partners are live and earning within weeks because our API integrates seamlessly with clear documentation, ongoing support, and maintains your branding and customer experience.
For Platforms
For Businesses
Unlock a new revenue stream
Earn money every time a customer gets funded. No setup fees, no monthly costs. Just straightforward commissions that add up fast.
Offer finance without the complexity
Your customers see seamless financing. You see new revenue. We handle everything else.
Keep customers loyal
By helping them handle their core business and get funding in one place, you improve your platform value and build an ecosystem they won't want to leave.
Seamlessly Integrate our API
Most partners are live and earning within weeks because our API integrates seamlessly with clear documentation, ongoing support, and maintains your branding and customer experience.
For Platforms
For Businesses
Unlock a new revenue stream
Earn money every time a customer gets funded. No setup fees, no monthly costs. Just straightforward commissions that add up fast.
Offer finance without the complexity
Your customers see seamless financing. You see new revenue. We handle everything else.
Keep customers loyal
By helping them handle their core business and get funding in one place, you improve your platform value and build an ecosystem they won't want to leave.
Seamlessly Integrate our API
Most partners are live and earning within weeks because our API integrates seamlessly with clear documentation, ongoing support, and maintains your branding and customer experience.
SIMPLE. SECURE. SEAMLESS.
The API that powers your lending
Developer-friendly design
Our clean intuitive REST API ensures a seamless integration.
Developer-friendly design
Our clean intuitive REST API ensures a seamless integration.
Developer-friendly design
Our clean intuitive REST API ensures a seamless integration.
Rapid implementation
Comprehensive documentation & dedicated support get you live in record time.
Rapid implementation
Comprehensive documentation & dedicated support get you live in record time.
Rapid implementation
Comprehensive documentation & dedicated support get you live in record time.
Complete customisation
Shape every aspect to match your brand and leverage your existing data.
Complete customisation
Shape every aspect to match your brand and leverage your existing data.
Complete customisation
Shape every aspect to match your brand and leverage your existing data.
Seamless integration
A lending experience that feels native to your platform and never breaks your customer journey.
Seamless integration
A lending experience that feels native to your platform and never breaks your customer journey.
Seamless integration
A lending experience that feels native to your platform and never breaks your customer journey.
Real-time visibility
Live updates and transparent data throughout the entire lending lifecycle.
Real-time visibility
Live updates and transparent data throughout the entire lending lifecycle.
Real-time visibility
Live updates and transparent data throughout the entire lending lifecycle.
Integration opportunities
Business finance that embeds seamlessly into your platform.
Integration opportunities
Business finance that embeds seamlessly into your platform.
Step 1: Secure data sharing
Your platform identifies eligible customers based on set criteria and sends Lumi anonymised business data like industry, time in business, trading history and transaction data via API. This data is used for pre-qualification and offer generation, respecting compliance and protecting customer privacy.
Offer
$15,000.00
Step 2: Tailored offers
We use your anonymised data to run automated eligibility and credit risk checks, then return pre-approved, tailored funding offers for your customers. These offers include terms like amounts, pricing and repayment info ready for you to display within your platform. They're not binding and can be personalised in real-time before acceptance.
Business
Step 3: Seamless application
If a customer is interested in an offer, they can apply directly via your platform. We then gather necessary de-anonymised details such as ABN, registered addresses and credit consent, and run the final credit checks. All documents are shared and signed digitally.
Available funds
$15,000.00
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Step 4: Fast funding & real-time tracking
Once approved, Lumi disburses funds directly to either your customer's business account or your platform via instant payments. For ongoing management, our API supports real-time reporting, so both your platform and the customer can easily track loan status and repayments.
Ready to see
this in action?
Ready to see
this in action?
Book a free demo with one of our specialists to see how easily our finance solutions can be embedded to transform your platform experience.
Book a free demo with one of our specialists to see how easily our finance solutions can be embedded to transform your platform experience.
Frequently Asked Questions
Frequently Asked Questions
How does Lumi’s embedded finance solution work?
Lumi's embedded finance solution allows platforms to seamlessly integrate our lending products directly into their own user experience. We provide a suite of APIs (Application Programming Interfaces) that you can use to connect your platform to our systems. This lets your business customers apply for, and receive, financing without ever leaving your platform.
How does Lumi’s embedded finance solution work?
Lumi's embedded finance solution allows platforms to seamlessly integrate our lending products directly into their own user experience. We provide a suite of APIs (Application Programming Interfaces) that you can use to connect your platform to our systems. This lets your business customers apply for, and receive, financing without ever leaving your platform.
What integration options are available for platforms?
We offer flexible integration options to fit your needs. The most common is a direct API integration, which gives you complete control over the user journey and allows for a fully branded experience.
What integration options are available for platforms?
We offer flexible integration options to fit your needs. The most common is a direct API integration, which gives you complete control over the user journey and allows for a fully branded experience.
Can platforms fully whitelabel Lumi’s embedded finance products?
Yes, our offering is designed to be fully whitelabeled. The user interface, communications, and all customer-facing elements can be branded with your company's logo, colors, and messaging. Your customers will see your brand as their financial partner, with Lumi operating behind the scenes to power the service.
Can platforms fully whitelabel Lumi’s embedded finance products?
Yes, our offering is designed to be fully whitelabeled. The user interface, communications, and all customer-facing elements can be branded with your company's logo, colors, and messaging. Your customers will see your brand as their financial partner, with Lumi operating behind the scenes to power the service.
What is Lumi’s time-to-market with embedding finance products?
Our time-to-market is highly competitive. With our streamlined onboarding process, platforms can go live with a fully integrated lending solution in as little as 4-6 weeks. The exact timeline depends on your chosen integration method and the complexity of your platform.
What is Lumi’s time-to-market with embedding finance products?
Our time-to-market is highly competitive. With our streamlined onboarding process, platforms can go live with a fully integrated lending solution in as little as 4-6 weeks. The exact timeline depends on your chosen integration method and the complexity of your platform.
What type of capital can businesses access through Lumi’s embedded finance products?
Through our embedded finance offering, businesses can access various types of capital, including business loans and lines of credit.
These products are tailored to the specific needs of your business customers and can be used for working capital, inventory, marketing, and more.
What type of capital can businesses access through Lumi’s embedded finance products?
Through our embedded finance offering, businesses can access various types of capital, including business loans and lines of credit.
These products are tailored to the specific needs of your business customers and can be used for working capital, inventory, marketing, and more.
How much capital can businesses access?
The amount of capital a business can access depends on a range of factors, including their financial situation and transaction history on your platform. We leverage your platform's data to provide real-time, data-driven offers.
How much capital can businesses access?
The amount of capital a business can access depends on a range of factors, including their financial situation and transaction history on your platform. We leverage your platform's data to provide real-time, data-driven offers.
What are the costs & fees for platforms and businesses?
For platforms, the cost model is typically based on a revenue-sharing agreement. This means you earn a percentage of the revenue generated from the financial products offered to your customers. For businesses, the fees are transparently disclosed at the time of the offer and are typically included in the loan's repayments or as a one-time fee. We do not charge hidden fees.
What are the costs & fees for platforms and businesses?
For platforms, the cost model is typically based on a revenue-sharing agreement. This means you earn a percentage of the revenue generated from the financial products offered to your customers. For businesses, the fees are transparently disclosed at the time of the offer and are typically included in the loan's repayments or as a one-time fee. We do not charge hidden fees.
How fast can businesses access capital?
Once a business is approved, funds are typically released instantly and can be accessed within 24 hours, depending on their bank’s processing times.
How fast can businesses access capital?
Once a business is approved, funds are typically released instantly and can be accessed within 24 hours, depending on their bank’s processing times.
How is Lumi keeping business data secure?
Data security is our top priority. We use bank-grade encryption and follow strict security protocols to protect all sensitive business information. Our systems are regularly audited, and we are compliant with all relevant industry regulations. We only access the data we need to make an informed lending decision and never share it with unauthorised third parties.
How is Lumi keeping business data secure?
Data security is our top priority. We use bank-grade encryption and follow strict security protocols to protect all sensitive business information. Our systems are regularly audited, and we are compliant with all relevant industry regulations. We only access the data we need to make an informed lending decision and never share it with unauthorised third parties.
How does this partnership benefit our platform?
Partnering with Lumi brings many benefits, transforming your platform into a more comprehensive and valuable service for your customers. By embedding our finance solutions, you can:
Create a new revenue stream: Earn a share of the revenue generated from the financial products offered to your customers.
Increase customer loyalty and retention: By offering valuable financial tools directly within your platform, you become an invaluable partner in your customers' business growth. This reduces churn and deepens their engagement with your brand.
Enhance your value proposition: Stand out from competitors by providing a seamless, all-in-one solution that addresses a critical pain point for small businesses: access to capital.
Improve your customer insights: Gain valuable, anonymised data on your users' financial needs and behavior, which can inform your product development and marketing strategies.
How does this partnership benefit our platform?
Partnering with Lumi brings many benefits, transforming your platform into a more comprehensive and valuable service for your customers. By embedding our finance solutions, you can:
Create a new revenue stream: Earn a share of the revenue generated from the financial products offered to your customers.
Increase customer loyalty and retention: By offering valuable financial tools directly within your platform, you become an invaluable partner in your customers' business growth. This reduces churn and deepens their engagement with your brand.
Enhance your value proposition: Stand out from competitors by providing a seamless, all-in-one solution that addresses a critical pain point for small businesses: access to capital.
Improve your customer insights: Gain valuable, anonymised data on your users' financial needs and behavior, which can inform your product development and marketing strategies.
What are the eligibility criteria for businesses?
While each application is assessed on a case-by-case basis, our general eligibility criteria for businesses are:
An Australian-registered business with a valid ABN/ACN
Minimum time in business of 6 months
Minimum annual turnover of $50,000
Our data-driven approach allows us to consider a range of factors beyond just a credit score, enabling us to provide fair and responsible finance solutions to a broader range of businesses.
What are the eligibility criteria for businesses?
While each application is assessed on a case-by-case basis, our general eligibility criteria for businesses are:
An Australian-registered business with a valid ABN/ACN
Minimum time in business of 6 months
Minimum annual turnover of $50,000
Our data-driven approach allows us to consider a range of factors beyond just a credit score, enabling us to provide fair and responsible finance solutions to a broader range of businesses.
What support does Lumi provide for our team?
We are committed to the success of our platform partners and provide comprehensive support every step of the way:
Dedicated Integration Manager: You will have a dedicated point of contact to guide you through the API integration process, ensuring a smooth and efficient launch.
Technical Documentation: Our developer-friendly APIs come with clear and detailed documentation to make integration as simple as possible.
On-Demand Support: Our support team is available to assist with any technical or operational questions that may arise after launch.
Marketing & Sales Assets: We provide a range of marketing materials and collateral to help you effectively communicate the new embedded finance offering to your customers.
What support does Lumi provide for our team?
We are committed to the success of our platform partners and provide comprehensive support every step of the way:
Dedicated Integration Manager: You will have a dedicated point of contact to guide you through the API integration process, ensuring a smooth and efficient launch.
Technical Documentation: Our developer-friendly APIs come with clear and detailed documentation to make integration as simple as possible.
On-Demand Support: Our support team is available to assist with any technical or operational questions that may arise after launch.
Marketing & Sales Assets: We provide a range of marketing materials and collateral to help you effectively communicate the new embedded finance offering to your customers.