SMALL BUSINESS LOANS
Turn funding into growth
Fast, flexible business loans with fixed repayments.
SMALL BUSINESS LOANS
Turn funding into growth
Fast, flexible business loans with fixed repayments.
Same-day funding up to
$1,000,000
Unsecured options
Limits apply
Flexible terms up to
5 years
Finance that flexes
with your business
Apply online in minutes
Customise loan to your needs
Get funding on the same day
Easily manage loan online
Apply online in minutes
Customise loan to your needs
Get funding on the same day
Easily manage loan online
Apply online in minutes
Customise loan to your needs
Get funding on the same day
Easily manage loan online
Same-day funding meets smart customisation
We don’t do one-size-fits-all. We do what fits you.
Payment Pause
Pause repayments up to 4 weeks, interest-free, when your business needs it most.
Payment Pause
Pause repayments up to 4 weeks, interest-free, when your business needs it most.
Payment Holiday
Get funds now, only start repayments 6 weeks later to boost cash flow.
Payment Holiday
Get funds now, only start repayments 6 weeks later to boost cash flow.
Rate Ease™
Make on-time payments to reduce your rate over time and save thousands.
Rate Ease™
Make on-time payments to reduce your rate over time and save thousands.
Lumi Loan at a glance
Up to $1M
Amount
Weekly
Repayments
From 15.5% APR
Rates
Unsecured options
Limits apply
Up to 5 years
Terms
Same-day funding
Timeline
No early repayment fees, no hidden fees
Transparent pricing
Up to $1M
Amount
Up to 5 years
Terms
Weekly
Repayments
Same-day funding
Timeline
From 15.5% APR
Rates
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…
Working capital
To cover day-to-day operating expenses like payroll, rent, utilities etc.
Working capital
To cover day-to-day operating expenses like payroll, rent, utilities etc.
Business expansion
To open a new location, hire staff, purchase inventory or invest in growth opportunities.
Business expansion
To open a new location, hire staff, purchase inventory or invest in growth opportunities.
Equipment & assets
To buy essential tools, machinery, vehicles, or technology to improve operations.
Why Lumi Business Loan
For Businesses
Fast access to finance that fits your business, with flexibility built-in.
For Businesses
Fast access to finance that fits your business, with flexibility built-in.
For Brokers
Fast funding with fair rates for your clients. Competitive commission for you.
For Brokers
Fast funding with fair rates for your clients. Competitive commission for you.
For Platforms
Fast funding for your clients. New revenue streams for you.
For Platforms
Fast 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 is same-day funding?
Funds typically arrive within 6-8 hours of approval, depending on your bank.
How fast is same-day funding?
Funds typically arrive within 6-8 hours of approval, depending on your bank.
What can I use the loan for?
Working capital, inventory, equipment, expansion, or any legitimate business purpose.
What can I use the loan for?
Working capital, inventory, equipment, expansion, or any legitimate business purpose.
Do you require collateral?
Most loans up to $300,000 are unsecured. Larger amounts may need property backing.
Do you require collateral?
Most loans up to $300,000 are unsecured. Larger amounts may need property backing.
What's the maximum loan amount?
Up to $1M for qualified businesses.
What's the maximum loan amount?
Up to $1M for qualified businesses.
Can I pay off early?
Yes. No prepayment penalties on any loan.
Can I pay off early?
Yes. No prepayment penalties on any loan.
How do broker partnerships work?
Get accredited. Submit applications through our portal. Earn competitive commission. Get dedicated support.
How do broker partnerships work?
Get accredited. Submit applications through our portal. Earn competitive commission. 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 bank loans?
Faster approval, more flexible terms, and customisable structures. We're built for speed and flexibility.
How is Lumi different from bank loans?
Faster approval, more flexible terms, and customisable structures. We're built for speed and flexibility.
What if my credit isn't perfect?
We look at overall business health, not just credit scores. Many factors go into our decision.
What if my credit isn't perfect?
We look at overall business health, not just credit scores. Many factors go into our decision.