Whether you run a business, back one or build the platforms they rely on - we deliver fast & flexible finance when and where you need it.
Funding growth
where business
happens
Funding growth
where business
happens
Funding growth where
business happens
Funding
growth where
business happens
Funding growth where business happens
Funding growth where
business happens
Whether you run a business, back one or build the platforms they rely on - we deliver fast & flexible finance when and where you need it.
Whether you run a business, back one or build the platforms they rely on - we deliver fast & flexible finance when and where you
need it.
Whether you run a business, back one or build the platforms they rely on -
we deliver fast & flexible finance when and where you need it.
Whether you run a business, back one or build the platforms they rely on - we deliver fast & flexible finance when and where you
need it.
Whether you run a business, back one or build the platforms they rely on -
we deliver fast & flexible finance when and where you need it.
Products
For Platforms
For Brokers
Products
For Platforms
For Brokers
Products
For Platforms
For Brokers
Products
For Platforms
For Brokers
Products
For Platforms
For Brokers
Products
For Platforms
For Brokers
Products
For Platforms
For Brokers
Products
For Platforms
For Brokers
$1.5B+
Funded since 2018
15,000+
Businesses backed
6,000+
Broker Partners
88
Net Promoter Score
AFR BOSS 2024
Best Places to Work
Affies 2023
Empowering Innovation
FINNIES 2023
Best Workplace Diversity
deloitte 2022
Technology Fast 50
deloitte 2021
Rising Star
AFR BOSS 2024
Best Places
to Work
Affies 2023
Empowering
Innovation
FINNIES 2023
Best Workplace
Diversity
deloitte 2022
Technology Fast 50
deloitte 2021
Rising Star
AFR BOSS 2024
Best Places
to Work
Affies 2023
Empowering
Innovation
FINNIES 2023
Best Workplace
Diversity
deloitte 2022
Technology Fast 50
deloitte 2021
Rising Star
Finance that fits your business
Finance that fits your business
Finance that fits
your business
Finance that fits your business
Your business moves fast and we keep up - with funding that flexes, scales and supports you at every stage.
Your business moves fast and we keep up - with funding that flexes, scales and supports you at
every stage.
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
Business Line Of Credit
Access what you need, when you need it
Access what you need, when you need it
Same-day approval up to $750,000
Same-day approval up to $750,000
Unsecured options. Limits apply
Unsecured options. Limits apply
No ongoing or early repayment fees
No ongoing or early repayment fees
Customise funding to your needs
Business Loan
Only with us: pause repayments interest-free
Same-day funding up to $750,000
Unsecured options. Limits apply
Flexible terms up to 5 years
Customise funding to your needs
Business Loan
Only with us: pause repayments interest-free
Same-day funding up to $750,000
Unsecured options. Limits apply
Flexible terms up to 5 years
Customise funding to your needs
Customise funding
to your needs
Customise funding to your needs
Customise funding to your needs
Business Loan
Only with us: pause repayments interest-free
Same-day funding up to $750,000
Unsecured options. Limits apply
Flexible terms up to 5 years
Why Lumi
Trusted approach
AFIA member with 7+ years of SME lending expertise leading to $1.5B+ funded to over 15,000 businesses across all major industries.
Chosen by brokers
6,000+ broker partners choose us for our speed, high quality service and dedicated BDM support.
Solid foundations
Institutional backing and category-leading compliance means your business is in safe hands.
Institutional backing and category-leading compliance means your business is in safe hands.
Institutional backing and category-leading compliance means your business is in safe hands.
Institutional backing and category-leading compliance means your business is in safe hands.
Same-day funding
Our proprietary technology evolves with every data point, delivering near-instant credit decisions with precision every time.
Fair outcomes
Our AI-powered risk engine makes fair lending decisions with transparent pricing to support your business.
Our AI-powered risk engine
makes fair lending decisions with transparent pricing to support
your business.
Our AI-powered risk engine makes fair lending decisions with transparent pricing to support your business.
Our AI-powered risk engine
makes fair lending decisions with transparent pricing to support
your business.
Embedded finance
Seamless API integrations let you embed funding in-platform, risk-free, unlocking new revenue streams while boosting customer loyalty.
Seamless API integrations let
you embed funding in-platform,
risk-free, unlocking new revenue streams while boosting customer loyalty.
Seamless API integrations let
you embed funding in-platform,
risk-free, unlocking new revenue streams while boosting customer loyalty.
Ways to partner with us
Broker Partners
Platform Partners
Broker Partners
Your clients. Our funding. Where growth happens.
Partner with Lumi to work smarter, earn more, and empower your business clients with seamless funding, backed by real-time credit decisions powered by our cutting-edge AI risk infrastructure.
Ways to partner with us
Broker Partners
Platform Partners
Broker Partners
Your clients. Our funding. Where growth happens.
Partner with Lumi to work smarter, earn more, and empower your business clients with seamless funding, backed by real-time credit decisions powered by our cutting-edge AI risk infrastructure.
Ways to partner with us
Broker Partners
Platform Partners
Broker Partners
Your clients. Our funding. Where growth happens.
Partner with Lumi to work smarter, earn more, and empower your business clients with seamless funding, backed by real-time credit decisions powered
by our cutting-edge AI risk infrastructure.
Ways to partner with us
Broker Partners
Platform Partners
Broker Partners
Your clients. Our funding. Where growth happens.
Partner with Lumi to work smarter, earn more, and empower your business clients with seamless funding, backed by real-time credit decisions powered by our cutting-edge AI risk infrastructure.
Ways to partner with us
Broker Partners
Platform Partners
Broker Partners
Your clients. Our funding. Where growth happens.
Partner with Lumi to work smarter, earn more, and empower your business clients with seamless funding, backed by real-time credit decisions powered by our cutting-edge AI risk infrastructure.
Ways to partner with us
Broker Partners
Platform Partners
Broker Partners
Your clients. Our funding. Where growth happens.
Partner with Lumi to work smarter, earn more, and empower your business clients with seamless funding, backed by real-time credit decisions powered
by our cutting-edge AI risk infrastructure.
Real experiences, real results
See why 6,000+ partners and 15,000+ small businesses work with Lumi to grow, fund,
and financially enable their customers to thrive.
What businesses are saying
What brokers are saying
â
Hands down the best lender in the category.
Have used Lumi for around a year now and found them to be highly responsive to small business needs, and very quick to recognise good clients! â¨â¨We look forward to using Lumi as part of our ongoing growth funding needs.
ST - E-Commerce Business
â
Lumi are great - Highly Recommend
They understand Small Business and tailor manageable facilities to assist in smoothing out cash flow issues. I have used several other providers in the past but have found Lumi to be superior. Very client-focused, quick to reply to any queries.
GE - Plumbing Services
â
What a great experience
What a great experience, from initial point of contact through to settlement. Communication was clear, regular and their service turnaround time incredible. Couldn't find fault with any part of the process or their offering.
KY - Café Owner
â
Unbelievably fast to approve
After submitting bank statements to Lumi, my line of credit took less than 24 hours to approve. This is my second finance deal with Lumi and both time I was very pleased with the service and efficiency. â¨â¨Strongly recommend them for small and large businesses alike.
JD - Law Firm
Real experiences, real results
See why 6,000+ partners and 15,000+ small businesses work with Lumi to grow, fund,
and financially enable their customers to thrive.
What businesses are saying
What brokers are saying
â
Hands down the best lender in the category.
Have used Lumi for around a year now and found them to be highly responsive to small business needs, and very quick to recognise good clients! â¨â¨We look forward to using Lumi as part of our ongoing growth funding needs.
ST - E-Commerce Business
â
Lumi are great - Highly Recommend
They understand Small Business and tailor manageable facilities to assist in smoothing out cash flow issues. I have used several other providers in the past but have found Lumi to be superior. Very client-focused, quick to reply to any queries.
GE - Plumbing Services
â
What a great experience
What a great experience, from initial point of contact through to settlement. Communication was clear, regular and their service turnaround time incredible. Couldn't find fault with any part of the process or their offering.
KY - Café Owner
â
Unbelievably fast to approve
After submitting bank statements to Lumi, my line of credit took less than 24 hours to approve. This is my second finance deal with Lumi and both time I was very pleased with the service and efficiency. â¨â¨Strongly recommend them for small and large businesses alike.
JD - Law Firm
Real experiences,
real results
See why 6,000+ partners and 15,000+ small businesses
work with Lumi to grow, fund, and financially enable their customers to thrive.
What businesses are saying
What brokers are saying
â
Hands down the best lender in the category.
Have used Lumi for around a year now and found them to be highly responsive to small business needs, and very quick to recognise good clients! â¨â¨We look forward to using Lumi as part of our ongoing growth funding needs.
ST - E-Commerce Business
â
Lumi are great - Highly Recommend
They understand Small Business and tailor manageable facilities to assist in smoothing out cash flow issues. I have used several other providers in the past but have found Lumi to be superior. Very client-focused, quick to reply to any queries.
GE - Plumbing Services
â
What a great experience
What a great experience, from initial point of contact through to settlement. Communication was clear, regular and their service turnaround time incredible. Couldn't find fault with any part of the process or their offering.
KY - Café Owner
â
Unbelievably fast to approve
After submitting bank statements to Lumi, my line of credit took less than 24 hours to approve. This is my second finance deal with Lumi and both time I was very pleased with the service and efficiency. â¨â¨Strongly recommend them for small and large businesses alike.
JD - Law Firm
Real experiences, real results
See why 6,000+ partners and 15,000+ small businesses work with Lumi to grow, fund,
and financially enable their customers to thrive.
What Businesses Are Saying
What Brokers Are Saying
â
Hands down the best lender in the category.
Have used Lumi for around a year now and found them to be highly responsive to small business needs, and very quick to recognise good clients! â¨â¨We look forward to using Lumi as part of our ongoing growth funding needs.
ST - E-Commerce Business
â
Lumi are great - Highly Recommend
They understand Small Business and tailor manageable facilities to assist in smoothing out cash flow issues. I have used several other providers in the past but have found Lumi to be superior. Very client-focused, quick to reply to any queries.
GE - Plumbing Services
â
What a great experience
What a great experience, from initial point of contact through to settlement. Communication was clear, regular and their service turnaround time incredible. Couldn't find fault with any part of the process or their offering.
KY - Café Owner
â
Unbelievably fast to approve
After submitting bank statements to Lumi, my line of credit took less than 24 hours to approve. This is my second finance deal with Lumi and both time I was very pleased with the service and efficiency. â¨â¨Strongly recommend them for small and large businesses alike.
JD - Law Firm
Real experiences, real results
See why 6,000+ partners and 15,000+ small businesses work with Lumi to grow, fund,
and financially enable their customers to thrive.
What businesses are saying
What brokers are saying
â
Hands down the best lender in the category.
Have used Lumi for around a year now and found them to be highly responsive to small business needs, and very quick to recognise good clients! â¨â¨We look forward to using Lumi as part of our ongoing growth funding needs.
ST - E-Commerce Business
â
Lumi are great - Highly Recommend
They understand Small Business and tailor manageable facilities to assist in smoothing out cash flow issues. I have used several other providers in the past but have found Lumi to be superior. Very client-focused, quick to reply to any queries.
GE - Plumbing Services
â
What a great experience
What a great experience, from initial point of contact through to settlement. Communication was clear, regular and their service turnaround time incredible. Couldn't find fault with any part of the process or their offering.
KY - Café Owner
â
Unbelievably fast to approve
After submitting bank statements to Lumi, my line of credit took less than 24 hours to approve. This is my second finance deal with Lumi and both time I was very pleased with the service and efficiency. â¨â¨Strongly recommend them for small and large businesses alike.
JD - Law Firm
Real experiences,
real results
See why 6,000+ partners and 15,000+ small businesses
work with Lumi to grow, fund, and financially enable their customers to thrive.
What businesses are saying
What brokers are saying
â
Hands down the best lender in the category.
Have used Lumi for around a year now and found them to be highly responsive to small business needs, and very quick to recognise good clients! â¨â¨We look forward to using Lumi as part of our ongoing growth funding needs.
ST - E-Commerce Business
â
Lumi are great - Highly Recommend
They understand Small Business and tailor manageable facilities to assist in smoothing out cash flow issues. I have used several other providers in the past but have found Lumi to be superior. Very client-focused, quick to reply to any queries.
GE - Plumbing Services
â
What a great experience
What a great experience, from initial point of contact through to settlement. Communication was clear, regular and their service turnaround time incredible. Couldn't find fault with any part of the process or their offering.
KY - Café Owner
â
Unbelievably fast to approve
After submitting bank statements to Lumi, my line of credit took less than 24 hours to approve. This is my second finance deal with Lumi and both time I was very pleased with the service and efficiency. â¨â¨Strongly recommend them for small and large businesses alike.
JD - Law Firm
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