Business Details
8 Years
experience
Fast & Flexible Business Loans & Credit Solutions
Lumi Finance has been delivering fast and flexible financial solutions since 2018, establishing itself as a trusted partner for businesses across Australia. With over $1.5 billion funded to 15,000+ businesses and 6,000+ broker partners, we combine cutting-edge technology with deep industry expertise to provide tailored funding options. Our proprietary AI-powered risk engine ensures transparent pricing and fair lending decisions, while our institutional backing guarantees compliance and security.We offer same-day approvals up to $750,000 with unsecured options and flexible terms, including unique features like interest-free payment pauses. Recognized with awards such as AFR BOSS Best Places to Work and Deloitte Technology Fast 50, we prioritize client satisfaction through 24/7 support and seamless API integrations for embedded finance solutions.
Services
Business Line of Credit
Small Business Loans
Embedded Finance
Broker Partnerships
Platform Partnerships
Details
- Year established: 2018
Highlights and features
- 7+ years of SME lending expertise with $1.5B+ funded
- 6,000+ broker partners for nationwide support
- Institutional backing with category-leading compliance
- Same-day funding via proprietary AI-powered risk engine
- Transparent pricing with no ongoing or early repayment fees
Associations and certifications
- AFIA
- FinTech Australia
What people say
Highly Recommend
Great experience
Unbelievably fast
Superior service
Client-focused
Services
Business Line of Credit
Access flexible funds up to $750,000 with no ongoing fees. Repay only what you use, with terms up to 5 years and transparent pricing. Ideal for managing cash flow or seizing growth opportunities.
Small Business Loans
Secure same-day funding up to $750,000 with fixed repayments. Flexible terms and features like interest-free payment pauses cater to working capital, expansion, or equipment purchases.
Embedded Finance
Integrate seamless financing solutions into your platform. Unlock revenue streams while offering clients instant access to capital through secure API connections.
Broker Partnerships
Join 6,000+ brokers offering clients fast funding with competitive commissions. Benefit from dedicated support and real-time credit decisions via AI infrastructure.
Payment Pause
Pause repayments interest-free for up to 4 weeks. Designed to help businesses manage temporary cash flow challenges without financial strain.
Questions
How fast can I access funds?
Same-day funding up to $750,000 with approvals in minutes.
Do you require collateral?
Unsecured options available with limits applying.
Can I repay early?
Yes, with no early repayment fees.
What industries do you work with?
All major industries including hospitality, retail, and professional services.
How do broker partnerships work?
Brokers earn commissions by referring clients for fast, transparent funding.
How is Lumi Finance different from banks?
Faster approvals, flexible terms, and AI-driven transparent pricing.
