AUSTRALIA'S #1
BUSINESS LINE OF CREDIT
AUSTRALIA'S #1
BUSINESS LINE OF CREDIT
AUSTRALIA'S #1
BUSINESS LINE OF CREDIT
AUSTRALIA'S #1
BUSINESS LINE OF CREDIT
Flexible funds at your fingertips
Flexible funds at your fingertips
Flexible funds at your fingertips
Flexible funds at
your fingertips
Flexible funds at your fingertips
Flexible funds at your fingertips
Borrow what you need, pay for what you use.
Borrow what you need, pay for what you use.
Borrow what you need, pay for what you use.
Borrow what you need, pay for what you use.
Borrow what you need, pay for what you use.
Apply Now
Same-day funding up to
$750,000
$750,000
$750,000
$750,000
$750,000
$750,000
Unsecured options
Unsecured options
Unsecured options
Unsecured options
Unsecured options
Unsecured options
Limits apply
Flexible terms up to
5 years
5 years
5 years
5 years
5 years
5 years
Lowest fees
Lowest fees
Lowest fees
Lowest fees
Lowest fees
Lowest fees
No ongoing or early
repayment fees
No ongoing or early repayment 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
Like a business credit card, but smarter
Flexibility to seize opportunities.
Safety-net to manage cash flow.
Always-on access to funds.
Flexibility to seize opportunities.
Safety-net to manage cash flow.
Always-on access to funds.
Flexibility to seize opportunities.
Safety-net to manage cash flow.
Always-on access to funds.
Flexibility to seize opportunities.
Safety-net to manage cash flow.
Always-on access to funds.
Line Of Credit at a glance
Line Of Credit
at a glance
Up to $750,000
Amount
Up to 5 years
Terms
Weekly
Repayments
Unsecured options
Limits apply
From 15.5% APR
From
15.5% APR
Rates
Approval & funding on the same business day
Timeline
No early repayment fees,
no hidden fees
No early repayment fees, no hidden fees
Transparent pricing
Available
$75,000.00
Draw Money
Facility Term
156 weeks
Eligibility criteria
6 months+ in business
50K+ annual revenue
Valid ABN/ACN
Best for...
Best for...
Best for...
Best for...
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.
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
Why Lumi Business Line of Credit
Why Lumi
Business Line of Credit
Why Lumi Business Line of Credit
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.
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.
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.
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.
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.
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.
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.
Frequently Asked Questions
How fast can I access my funds?
What can I use the credit line for?
Do you require collateral?
What's the maximum business line of credit amount?
Can I pay off early?
How do broker partnerships work?
What does platform embedding include?
What industries do you work with?
How is Lumi different from banks?
How fast can I access my funds?
What can I use the credit line for?
Do you require collateral?
What's the maximum business line of credit amount?
Can I pay off early?
How do broker partnerships work?
What does platform embedding include?
What industries do you work with?
How is Lumi different from banks?
How fast can I access my funds?
What can I use the credit line for?
Do you require collateral?
What's the maximum business line of credit amount?
Can I pay off early?
How do broker partnerships work?
What does platform embedding include?
What industries do you work with?
How is Lumi different from banks?
How fast can I access my funds?
What can I use the credit line for?
Do you require collateral?
What's the maximum business line of credit amount?
Can I pay off early?
How do broker partnerships work?
What does platform embedding include?
What industries do you work with?
How is Lumi different from banks?
How fast can I access my funds?
What can I use the credit line for?
Do you require collateral?
What's the maximum business line of credit amount?
Can I pay off early?
How do broker partnerships work?
What does platform embedding include?
What industries do you work with?
How is Lumi different from banks?
How fast can I access my funds?
What can I use the credit line for?
Do you require collateral?
What's the maximum business line of credit amount?
Can I pay off early?
How do broker partnerships work?
What does platform embedding include?
What industries do you work with?
How is Lumi different from banks?
Fast decisions. Fair rates. Flexible terms.
Fast decisions.
Fair rates.
Flexible terms.
Funding growth where business happens
Funding growth where business happens
Our Products
Customise Your Loan
WEMONEY 2025
Best for Flexibility
â Line of Credit
WEMONEY 2025
Best for Line of Credit
WEMONEY 2025
Best for Value
â Business Loans
WEMONEY 2025
Small Business
Lender of the Year
AFR BOSS 2024
Best Places to Work
AFFIES 2023
Empowering Innovation
FINNIES
Best Workplace Diversity
DELOITTE 2022
Technology Fast 50
DELOITTE 2021
Rising Star
Our Products
Customise Your Loan
Our Products
Customise Your Loan
WEMONEY 2025
Best for Flexibility
â Line of Credit
WEMONEY 2025
Best for Line of Credit
WEMONEY 2025
Best for Value
â Business Loans
WEMONEY 2025
Small Business
Lender of the Year
AFR BOSS 2024
Best Places to Work
AFFIES 2023
Empowering Innovation
FINNIES
Best Workplace Diversity
DELOITTE 2022
Technology Fast 50
DELOITTE 2021
Rising Star
Our Products
Customise Your Loan
WEMONEY 2025
Best for Flexibility
â Line of Credit
WEMONEY 2025
Best for Line of Credit
WEMONEY 2025
Best for Value
â Business Loans
WEMONEY 2025
Small Business
Lender of the Year
AFR BOSS 2024
Best Places to Work
AFFIES 2023
Empowering Innovation
FINNIES
Best Workplace Diversity
DELOITTE 2022
Technology Fast 50
DELOITTE 2021
Rising Star
Our Products
Customise Your Loan
Our Products
Customise Your Loan