SMALL BUSINESS LOAN
SMALL BUSINESS LOAN
SMALL BUSINESS LOAN
SMALL BUSINESS LOAN
Turn funding into growth
Turn funding into growth
Turn funding into growth
Turn funding into growth
Turn funding
into growth
Turn funding into growth
Fast, flexible business loans with fixed repayments.
Fast, flexible business loans with
fixed repayments
Fast, flexible business loans with fixed repayments.
Fast, flexible business loans with fixed repayments.
Fast, flexible business loans with fixed repayments.
Same-day funding up to
$750,000
$750,000
$750,000
Unsecured options
Unsecured options
Unsecured options
Limits apply
Flexible terms up to
5 years
5 years
5 years
Finance
that flexes
Finance
that flexes
Finance
that flexes
with your business
Apply online in minutes
Borrow money
as you need
Only pay interest on what you use
Easily manage credit line 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 donât do one-size-fits-all. We do what fits you.
We donât do one-size-fits-all.
We do what fits you.
We donât do one-size-fits-all. We do what fits you.
We donât 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 Holiday
Get funds now, only start repayments 6 weeks later to boost cash flow.
Get funds now, only start repayments 6 weeks later to boost cash flow.
Get funds now, only start repayments 6 weeks later to boost cash flow.
Rate Ease
TM
Make on-time payments to reduce your rate over time and save thousands.
Make on-time payments to reduce your rate over time and save thousands.
Make on-time payments to reduce your rate over time and save thousands.
Payment Pause
Pause repayments up to 4 weeks, interest-free, when your business needs it most.
Lumi Loan at a glance
Up to $750,000
Amount
Up to 5 years
Terms
Same-day funding
Timeline
Unsecured options
Limits apply
Weekly
Repayments
From 15.5% APR
Rates
No early repayment fees,
no hidden fees
Transparent pricing
Eligibility criteria
Eligibility criteria
6 months+ in business
50K+ annual revenue
Valid ABN/ACN
Up to $750,000
Amount
Up to 5 years
Terms
Same-day funding
Timeline
Unsecured options
Limits apply
Weekly
Repayments
From 15.5% APR
Rates
No early repayment fees, no hidden fees
Transparent pricing
Best for...
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.
Equipment & assets
To buy essential tools, machinery, vehicles, or technology to improve operations.
Why Lumi Business Loan
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.
Fast 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 is same-day funding?
What can I use the loan for?
Do you require collateral?
What's the maximum loan 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 bank loans?
What if my credit isn't perfect?
How fast is same-day funding?
What can I use the loan for?
Do you require collateral?
What's the maximum loan 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 bank loans?
What if my credit isn't perfect?
How fast is same-day funding?
What can I use the loan for?
Do you require collateral?
What's the maximum loan 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 bank loans?
What if my credit isn't perfect?
How fast is same-day funding?
What can I use the loan for?
Do you require collateral?
What's the maximum loan 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 bank loans?
What if my credit isn't perfect?
How fast is same-day funding?
What can I use the loan for?
Do you require collateral?
What's the maximum loan 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 bank loans?
What if my credit isn't perfect?
How fast is same-day funding?
What can I use the loan for?
Do you require collateral?
What's the maximum loan 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 bank loans?
What if my credit isn't perfect?
Fast decisions. Fair rates. Flexible terms.
Funding growth where business happens
Fast decisions. Fair rates. Flexible terms.
Funding growth where business happens
Our Products
Customise Your Loan
AFR BOSS 2024
Best Places to Work
FINNIES 2023
Best Workplace Diversity
Affies 2023
Empowering Innovation
deloitte 2021
Rising Star
deloitte 2022
Technology Fast 50
Our Products
Customise Your Loan
AFR BOSS 2024
Best Places to Work
FINNIES 2023
Best Workplace Diversity
Affies 2023
Empowering Innovation
deloitte 2021
Rising Star
deloitte 2022
Technology Fast 50
Our Products
Customise Your Loan
AFR BOSS 2024
Best Places to Work
FINNIES 2023
Best Workplace Diversity
Affies 2023
Empowering Innovation
deloitte 2021
Rising Star
deloitte 2022
Technology Fast 50
Our Products
Customise Your Loan
AFR BOSS 2024
Best Places to Work
FINNIES 2023
Best Workplace Diversity
Affies 2023
Empowering Innovation
deloitte 2021
Rising Star
deloitte 2022
Technology Fast 50
Our Products
Customise Your Loan
AFR BOSS 2024
Best Places to Work
FINNIES 2023
Best Workplace Diversity
Affies 2023
Empowering Innovation
deloitte 2021
Rising Star
deloitte 2022
Technology Fast 50
Our Products
Customise Your Loan
AFR BOSS 2024
Best Places to Work
FINNIES 2023
Best Workplace Diversity
Affies 2023
Empowering Innovation
deloitte 2021
Rising Star
deloitte 2022
Technology Fast 50
Lumi Loan at a glance
Up to $750,000
Amount
Up to 5 years
Terms
Same-day funding
Timeline
Unsecured options
Limits apply
Weekly
Repayments
From 15.5% APR
Rates
No early repayment fees, no hidden fees
Transparent pricing
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.
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.