About Lumi
Frequently Asked Questions
Whoâs Lumi?
How is Lumi different from bank loans?
What types of small businesses does Lumi lend to?
Will my information be protected with Lumi?
How is a Lumi Loan different from a traditional loan?
Whoâs Lumi?
How is Lumi different from bank loans?
What types of small businesses does Lumi lend to?
Will my information be protected with Lumi?
How is a Lumi Loan different from a traditional loan?
Whoâs Lumi?
How is Lumi different from bank loans?
What types of small businesses does Lumi lend to?
Will my information be protected with Lumi?
How is a Lumi Loan different from a traditional loan?
Whoâs Lumi?
How is Lumi different from bank loans?
What types of small businesses does Lumi lend to?
Will my information be protected with Lumi?
How is a Lumi Loan different from a traditional loan?
Products
Frequently Asked Questions
Business Loan
What's the maximum funding available?
What can I use the funds for?
Is collateral required?
What exactly is an unsecured business loan?
What are the loan duration options?
Can I repay the loan early?
What if my business's credit history isn't perfect?
How quickly will I receive the funds?
Is there a cost to apply?
How do I apply for a Lumi Business Loan?
How are fees structured?
How is the interest and repayment amount determined?
What will my weekly repayment be?
What if I have trouble making a repayment?
Can I take out more than one business loan at a time?
Can the loan amount be increased later on?
What's the maximum funding available?
What can I use the funds for?
Is collateral required?
What exactly is an unsecured business loan?
What are the loan duration options?
Can I repay the loan early?
What if my business's credit history isn't perfect?
How quickly will I receive the funds?
Is there a cost to apply?
How do I apply for a Lumi Business Loan?
How are fees structured?
How is the interest and repayment amount determined?
What will my weekly repayment be?
What if I have trouble making a repayment?
Can I take out more than one business loan at a time?
Can the loan amount be increased later on?
What's the maximum funding available?
What can I use the funds for?
Is collateral required?
What exactly is an unsecured business loan?
What are the loan duration options?
Can I repay the loan early?
What if my business's credit history isn't perfect?
How quickly will I receive the funds?
Is there a cost to apply?
How do I apply for a Lumi Business Loan?
How are fees structured?
How is the interest and repayment amount determined?
What will my weekly repayment be?
What if I have trouble making a repayment?
Can I take out more than one business loan at a time?
Can the loan amount be increased later on?
What's the maximum funding available?
What can I use the funds for?
Is collateral required?
What exactly is an unsecured business loan?
What are the loan duration options?
Can I repay the loan early?
What if my business's credit history isn't perfect?
How quickly will I receive the funds?
Is there a cost to apply?
How do I apply for a Lumi Business Loan?
How are fees structured?
How is the interest and repayment amount determined?
What will my weekly repayment be?
What if I have trouble making a repayment?
Can I take out more than one business loan at a time?
Can the loan amount be increased later on?
What's the maximum funding available?
What can I use the funds for?
Is collateral required?
What exactly is an unsecured business loan?
What are the loan duration options?
Can I repay the loan early?
What if my business's credit history isn't perfect?
How quickly will I receive the funds?
Is there a cost to apply?
How do I apply for a Lumi Business Loan?
How are fees structured?
How is the interest and repayment amount determined?
What will my weekly repayment be?
What if I have trouble making a repayment?
Can I take out more than one business loan at a time?
Can the loan amount be increased later on?
What's the maximum funding available?
What can I use the funds for?
Is collateral required?
What exactly is an unsecured business loan?
What are the loan duration options?
Can I repay the loan early?
What if my business's credit history isn't perfect?
How quickly will I receive the funds?
Is there a cost to apply?
How do I apply for a Lumi Business Loan?
How are fees structured?
How is the interest and repayment amount determined?
What will my weekly repayment be?
What if I have trouble making a repayment?
Can I take out more than one business loan at a time?
Can the loan amount be increased later on?
Who qualifies for Rate Ease�
How much will my rate decrease?
How long does the rate reduction period last?
Do I need to do anything to activate the rate drops?
Whatâs the impact of a missed payment?
Are there any specific Terms and Conditions?
Who qualifies for Rate Ease�
How much will my rate decrease?
How long does the rate reduction period last?
Do I need to do anything to activate the rate drops?
Whatâs the impact of a missed payment?
Are there any specific Terms and Conditions?
Who qualifies for Rate Ease�
How much will my rate decrease?
How long does the rate reduction period last?
Do I need to do anything to activate the rate drops?
Whatâs the impact of a missed payment?
Are there any specific Terms and Conditions?
Who qualifies for Rate Ease�
How much will my rate decrease?
How long does the rate reduction period last?
Do I need to do anything to activate the rate drops?
Whatâs the impact of a missed payment?
Are there any specific Terms and Conditions?
Who qualifies for Rate Ease�
How much will my rate decrease?
How long does the rate reduction period last?
Do I need to do anything to activate the rate drops?
Whatâs the impact of a missed payment?
Are there any specific Terms and Conditions?
Who qualifies for Rate Ease�
How much will my rate decrease?
How long does the rate reduction period last?
Do I need to do anything to activate the rate drops?
Whatâs the impact of a missed payment?
Are there any specific Terms and Conditions?
Payment Pause
What exactly is the Lumi Payment Pause?
Who can take advantage of the Lumi Payment Pause?
How is the Lumi Payment Pause structured?
What else should I know about the Lumi Payment Pause?
Are there any other important Terms & Conditions?
What exactly is the Lumi Payment Pause?
Who can take advantage of the Lumi Payment Pause?
How is the Lumi Payment Pause structured?
What else should I know about the Lumi Payment Pause?
Are there any other important Terms & Conditions?
What exactly is the Lumi Payment Pause?
Who can take advantage of the Lumi Payment Pause?
How is the Lumi Payment Pause structured?
What else should I know about the Lumi Payment Pause?
Are there any other important Terms & Conditions?
What exactly is the Lumi Payment Pause?
Who can take advantage of the Lumi Payment Pause?
How is the Lumi Payment Pause structured?
What else should I know about the Lumi Payment Pause?
Are there any other important Terms & Conditions?
What exactly is the Lumi Payment Pause?
Who can take advantage of the Lumi Payment Pause?
How is the Lumi Payment Pause structured?
What else should I know about the Lumi Payment Pause?
Are there any other important Terms & Conditions?
What exactly is the Lumi Payment Pause?
Who can take advantage of the Lumi Payment Pause?
How is the Lumi Payment Pause structured?
What else should I know about the Lumi Payment Pause?
Are there any other important Terms & Conditions?
Payment Holiday
What is the Lumi Payment Holiday?
Who can qualify for a Lumi Payment Holiday?
How is the Lumi Payment Holiday structured?
What other important details should I be aware of?
Are there any other Terms & Conditions?
What is the Lumi Payment Holiday?
Who can qualify for a Lumi Payment Holiday?
How is the Lumi Payment Holiday structured?
What other important details should I be aware of?
Are there any other Terms & Conditions?
What is the Lumi Payment Holiday?
Who can qualify for a Lumi Payment Holiday?
How is the Lumi Payment Holiday structured?
What other important details should I be aware of?
Are there any other Terms & Conditions?
What is the Lumi Payment Holiday?
Who can qualify for a Lumi Payment Holiday?
How is the Lumi Payment Holiday structured?
What other important details should I be aware of?
Are there any other Terms & Conditions?
What is the Lumi Payment Holiday?
Who can qualify for a Lumi Payment Holiday?
How is the Lumi Payment Holiday structured?
What other important details should I be aware of?
Are there any other Terms & Conditions?
What is the Lumi Payment Holiday?
Who can qualify for a Lumi Payment Holiday?
How is the Lumi Payment Holiday structured?
What other important details should I be aware of?
Are there any other Terms & Conditions?
Line Of Credit
Frequently Asked Questions
What is a Lumi Business Line Of Credit?
Why is this product so popular with businesses?
What are the minimum requirements to apply?
What's the maximum credit limit available?
What can I use the credit line for?
Is collateral required?
How much does a Lumi Line Of Credit cost?
How is interest calculated?
How quickly can I access the funds?
How can I manage my Line Of Credit once itâs approved?
How long does the Lumi Line Of Credit last?
How do repayments work for a Lumi Line Of Credit?
What are the repayment terms?
Can I pay off early?
What is a Lumi Business Line Of Credit?
Why is this product so popular with businesses?
What are the minimum requirements to apply?
What's the maximum credit limit available?
What can I use the credit line for?
Is collateral required?
How much does a Lumi Line Of Credit cost?
How is interest calculated?
How quickly can I access the funds?
How can I manage my Line Of Credit once itâs approved?
How long does the Lumi Line Of Credit last?
How do repayments work for a Lumi Line Of Credit?
What are the repayment terms?
Can I pay off early?
What is a Lumi Business Line Of Credit?
Why is this product so popular with businesses?
What are the minimum requirements to apply?
What's the maximum credit limit available?
What can I use the credit line for?
Is collateral required?
How much does a Lumi Line Of Credit cost?
How is interest calculated?
How quickly can I access the funds?
How can I manage my Line Of Credit once itâs approved?
How long does the Lumi Line Of Credit last?
How do repayments work for a Lumi Line Of Credit?
What are the repayment terms?
Can I pay off early?
What is a Lumi Business Line Of Credit?
Why is this product so popular with businesses?
What are the minimum requirements to apply?
What's the maximum credit limit available?
What can I use the credit line for?
Is collateral required?
How much does a Lumi Line Of Credit cost?
How is interest calculated?
How quickly can I access the funds?
How can I manage my Line Of Credit once itâs approved?
How long does the Lumi Line Of Credit last?
How do repayments work for a Lumi Line Of Credit?
What are the repayment terms?
Can I pay off early?
What is a Lumi Business Line Of Credit?
Why is this product so popular with businesses?
What are the minimum requirements to apply?
What's the maximum credit limit available?
What can I use the credit line for?
Is collateral required?
How much does a Lumi Line Of Credit cost?
How is interest calculated?
How quickly can I access the funds?
How can I manage my Line Of Credit once itâs approved?
How long does the Lumi Line Of Credit last?
How do repayments work for a Lumi Line Of Credit?
What are the repayment terms?
Can I pay off early?
What is a Lumi Business Line Of Credit?
Why is this product so popular with businesses?
What are the minimum requirements to apply?
What's the maximum credit limit available?
What can I use the credit line for?
Is collateral required?
How much does a Lumi Line Of Credit cost?
How is interest calculated?
How quickly can I access the funds?
How can I manage my Line Of Credit once itâs approved?
How long does the Lumi Line Of Credit last?
How do repayments work for a Lumi Line Of Credit?
What are the repayment terms?
Can I pay off early?
For Platforms
Frequently Asked Questions
How does Lumi Embedded Finance work?
What integration options are available for platforms?
What is included in the platform embedding package?
Can we fully whitelabel Lumiâs embedded finance products?
How fast is the time-to-market for embedding Lumiâs products?
What type of capital can businesses access through embedded finance?
How much capital can businesses access?
How fast can businesses access capital?
What are the eligibility criteria for businesses to get funding?
What are the costs and fees for platforms and businesses?
How does Lumi keep business data secure?
What are the benefits for our platform?
What support does Lumi provide for platform partners?
How does Lumi Embedded Finance work?
What integration options are available for platforms?
What is included in the platform embedding package?
Can we fully whitelabel Lumiâs embedded finance products?
How fast is the time-to-market for embedding Lumiâs products?
What type of capital can businesses access through embedded finance?
How much capital can businesses access?
How fast can businesses access capital?
What are the eligibility criteria for businesses to get funding?
What are the costs and fees for platforms and businesses?
How does Lumi keep business data secure?
What are the benefits for our platform?
What support does Lumi provide for platform partners?
How does Lumi Embedded Finance work?
What integration options are available for platforms?
What is included in the platform embedding package?
Can we fully whitelabel Lumiâs embedded finance products?
How fast is the time-to-market for embedding Lumiâs products?
What type of capital can businesses access through embedded finance?
How much capital can businesses access?
How fast can businesses access capital?
What are the eligibility criteria for businesses to get funding?
What are the costs and fees for platforms and businesses?
How does Lumi keep business data secure?
What are the benefits for our platform?
What support does Lumi provide for platform partners?
How does Lumi Embedded Finance work?
What integration options are available for platforms?
What is included in the platform embedding package?
Can we fully whitelabel Lumiâs embedded finance products?
How fast is the time-to-market for embedding Lumiâs products?
What type of capital can businesses access through embedded finance?
How much capital can businesses access?
How fast can businesses access capital?
What are the eligibility criteria for businesses to get funding?
What are the costs and fees for platforms and businesses?
How does Lumi keep business data secure?
What are the benefits for our platform?
What support does Lumi provide for platform partners?
How does Lumi Embedded Finance work?
What integration options are available for platforms?
What is included in the platform embedding package?
Can we fully whitelabel Lumiâs embedded finance products?
How fast is the time-to-market for embedding Lumiâs products?
What type of capital can businesses access through embedded finance?
How much capital can businesses access?
How fast can businesses access capital?
What are the eligibility criteria for businesses to get funding?
What are the costs and fees for platforms and businesses?
How does Lumi keep business data secure?
What are the benefits for our platform?
What support does Lumi provide for platform partners?
How does Lumi Embedded Finance work?
What integration options are available for platforms?
What is included in the platform embedding package?
Can we fully whitelabel Lumiâs embedded finance products?
How fast is the time-to-market for embedding Lumiâs products?
What type of capital can businesses access through embedded finance?
How much capital can businesses access?
How fast can businesses access capital?
What are the eligibility criteria for businesses to get funding?
What are the costs and fees for platforms and businesses?
How does Lumi keep business data secure?
What are the benefits for our platform?
What support does Lumi provide for platform partners?
For Brokers
Frequently Asked Questions
How can I refer my business clients to Lumi?
What industries do you work with?
Whatâs the fastest way to get my clientâs loan application assessed?
How quickly can my client get funded?
Who can become a broker partner with Lumi?
Do I need an aggregator to work with you, or can I work directly with Lumi?
What industries or client types do you lend to?
Whatâs your minimum and maximum loan size?
What products do you offer?
What are the eligibility and credit assessment criteria?
Do you require collateral for security?
How are commissions structured?
When are commissions paid?
Will my client deal directly with Lumi, or through me?
Do you offer training or resources for brokers?
What makes Lumi different from traditional banks or other lenders?
Do you consider clients with existing ATO debt or multiple facilities?
What information do you need from clients upfront?
Do you require financials or just bank statements?
How do you assess creditworthiness for SMEs?
Do you look at director credit files?
Can my client top up or extend their facility?
Do you have a broker portal or online tools?
Who can I contact if I need a scenario assessed?
How can I refer my business clients to Lumi?
What industries do you work with?
Whatâs the fastest way to get my clientâs loan application assessed?
How quickly can my client get funded?
Who can become a broker partner with Lumi?
Do I need an aggregator to work with you, or can I work directly with Lumi?
What industries or client types do you lend to?
Whatâs your minimum and maximum loan size?
What products do you offer?
What are the eligibility and credit assessment criteria?
Do you require collateral for security?
How are commissions structured?
When are commissions paid?
Will my client deal directly with Lumi, or through me?
Do you offer training or resources for brokers?
What makes Lumi different from traditional banks or other lenders?
Do you consider clients with existing ATO debt or multiple facilities?
What information do you need from clients upfront?
Do you require financials or just bank statements?
How do you assess creditworthiness for SMEs?
Do you look at director credit files?
Can my client top up or extend their facility?
Do you have a broker portal or online tools?
Who can I contact if I need a scenario assessed?
How can I refer my business clients to Lumi?
What industries do you work with?
Whatâs the fastest way to get my clientâs loan application assessed?
How quickly can my client get funded?
Who can become a broker partner with Lumi?
Do I need an aggregator to work with you, or can I work directly with Lumi?
What industries or client types do you lend to?
Whatâs your minimum and maximum loan size?
What products do you offer?
What are the eligibility and credit assessment criteria?
Do you require collateral for security?
How are commissions structured?
When are commissions paid?
Will my client deal directly with Lumi, or through me?
Do you offer training or resources for brokers?
What makes Lumi different from traditional banks or other lenders?
Do you consider clients with existing ATO debt or multiple facilities?
What information do you need from clients upfront?
Do you require financials or just bank statements?
How do you assess creditworthiness for SMEs?
Do you look at director credit files?
Can my client top up or extend their facility?
Do you have a broker portal or online tools?
Who can I contact if I need a scenario assessed?
How can I refer my business clients to Lumi?
What industries do you work with?
Whatâs the fastest way to get my clientâs loan application assessed?
How quickly can my client get funded?
Who can become a broker partner with Lumi?
Do I need an aggregator to work with you, or can I work directly with Lumi?
What industries or client types do you lend to?
Whatâs your minimum and maximum loan size?
What products do you offer?
What are the eligibility and credit assessment criteria?
Do you require collateral for security?
How are commissions structured?
When are commissions paid?
Will my client deal directly with Lumi, or through me?
Do you offer training or resources for brokers?
What makes Lumi different from traditional banks or other lenders?
Do you consider clients with existing ATO debt or multiple facilities?
What information do you need from clients upfront?
Do you require financials or just bank statements?
How do you assess creditworthiness for SMEs?
Do you look at director credit files?
Can my client top up or extend their facility?
Do you have a broker portal or online tools?
Who can I contact if I need a scenario assessed?
How can I refer my business clients to Lumi?
What industries do you work with?
Whatâs the fastest way to get my clientâs loan application assessed?
How quickly can my client get funded?
Who can become a broker partner with Lumi?
Do I need an aggregator to work with you, or can I work directly with Lumi?
What industries or client types do you lend to?
Whatâs your minimum and maximum loan size?
What products do you offer?
What are the eligibility and credit assessment criteria?
Do you require collateral for security?
How are commissions structured?
When are commissions paid?
Will my client deal directly with Lumi, or through me?
Do you offer training or resources for brokers?
What makes Lumi different from traditional banks or other lenders?
Do you consider clients with existing ATO debt or multiple facilities?
What information do you need from clients upfront?
Do you require financials or just bank statements?
How do you assess creditworthiness for SMEs?
Do you look at director credit files?
Can my client top up or extend their facility?
Do you have a broker portal or online tools?
Who can I contact if I need a scenario assessed?
How can I refer my business clients to Lumi?
What industries do you work with?
Whatâs the fastest way to get my clientâs loan application assessed?
How quickly can my client get funded?
Who can become a broker partner with Lumi?
Do I need an aggregator to work with you, or can I work directly with Lumi?
What industries or client types do you lend to?
Whatâs your minimum and maximum loan size?
What products do you offer?
What are the eligibility and credit assessment criteria?
Do you require collateral for security?
How are commissions structured?
When are commissions paid?
Will my client deal directly with Lumi, or through me?
Do you offer training or resources for brokers?
What makes Lumi different from traditional banks or other lenders?
Do you consider clients with existing ATO debt or multiple facilities?
What information do you need from clients upfront?
Do you require financials or just bank statements?
How do you assess creditworthiness for SMEs?
Do you look at director credit files?
Can my client top up or extend their facility?
Do you have a broker portal or online tools?
Who can I contact if I need a scenario assessed?
Safety & Security
Frequently Asked Questions
We care about your privacy
How we protect your data
What you can do
Reporting an incident
Our security program
We care about your privacy
How we protect your data
What you can do
Reporting an incident
Our security program
We care about your privacy
How we protect your data
What you can do
Reporting an incident
Our security program
We care about your privacy
How we protect your data
What you can do
Reporting an incident
Our security program
We care about your privacy
How we protect your data
What you can do
Reporting an incident
Our security program
We care about your privacy
How we protect your data
What you can do
Reporting an incident
Our security program
Fast decisions. Fair rates. Flexible terms.
Funding growth where business happens
For Platforms
For Businesses
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
A proud member of
FinTech Australia
For Platforms
For Businesses
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
A proud member of
FinTech Australia
For Platforms
For Businesses
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
A proud member of
FinTech Australia
For Platforms
For Businesses
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
A proud member of
FinTech Australia
For Platforms
For Businesses
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
A proud member of
FinTech Australia
For Platforms
For Businesses
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
A proud member of
FinTech Australia