EQUIPMENT LINE OF CREDIT

Flexible finance for everyday asset invoices

Fund essential equipment not covered by standard asset finance. Drawdowns from $5K.

Apply Now

EQUIPMENT LINE OF CREDIT

Flexible finance for everyday asset invoices

Fund essential equipment not covered by standard asset finance. Drawdowns from $5K.

Apply Now

Fund everyday business equipment

$150K–$1M line limits

5-year revolving term

Draw, repay, reuse across multiple projects

Sharp terms with no GSA on eligible deals

13.5% – 18.5% APR

Combine with other Lumi products

Deliver a complete capital solution

Built for how businesses operate

Traditional asset finance is built for resale value. Modern businesses invest in speed, technology, and growth. So we built a facility that funds exactly that.

Built for how businesses operate

Traditional asset finance is built for resale value. Modern businesses invest in speed, technology, and growth. So we built a facility that funds exactly that.

Apply once

for all equipment needs


Apply once

for all equipment needs


Cover full cost

including soft costs

Cover full cost

including soft costs

Access as needed

draw, repay, reuse limit

Access as needed

draw, repay, reuse limit

Only pay

for what you use

Only pay

for what you use

How it works

1

1

Get approved

Access $150K–$1M on a revolving 5-year term

2

2

Use across multiple projects

Fund local and international assets and associated soft costs

3

3

Submit your invoices

Simple drawdowns via invoice upload. Minimum drawdown $5K. 

4

4

Get funds in your account

Pay your suppliers how you normally would

5

5

Repay and redraw

Repay weekly, reuse your full limit as needed

What it funds

Lumi Equipment Line covers a broad range of local and international secondary and tertiary business assets and associated soft costs.

What it funds

Lumi Equipment Line covers a broad range of local and international secondary and tertiary business assets and associated soft costs.

Specialised equipment

Tools, appliances, machinery and other specialised assets

Ongoing investment

Staged upgrades across locations or suppliers

Soft
costs

Soft
costs

Soft costs

Installation, freight and other associated expenses

IT
upgrades

IT upgrades

Business systems and technology investments

Business
expansion

Business expansion

Multi-stage expansion projects

Furniture and
fitouts

Furniture & fitouts

Office, retail and hospitality fitouts

Ready to get started?

Give your SME clients flexible access to ongoing funding – without the constraints of traditional equipment finance.

Submit a Lead

Submit a Lead

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.