Who Are Lumi?
Lumi is a financial company that is dedicated to helping small business owners achieve their big dreams. Founded in 2018 and based in Sydney’s CBD, Lumi has quickly become a key player in the Australian financial landscape. The company’s team has grown to over 120 talented professionals, and they continue to seek passionate individuals to join their ranks.
Since its inception, Lumi has funded more than $1 billion across 5,000+ small businesses. With a commitment to providing excellent service, the company boasts an impressive Net Promoter Score of 88 and a Google rating of 4.7. Lumi is focused on helping small business owners thrive and reach their potential by offering tailored financial solutions.
What Products Does Lumi Offer?
Lumi offers a variety of financial products tailored to meet the needs of small business owners. These include:
Business Line of Credit
Borrow from $10,000 to $750,000 with flexible repayment terms of up to 5 years. Only pay for what you actually use, providing businesses with a cost-effective way to manage their finances.
Small Business Loans
Fast and fuss-free business funding, designed to quickly address the financial needs of small businesses.
Rate Ease™
Lumi’s first rate-reducing business loan, created for those who need it most. This product allows businesses to save up to 11% on total interest charges, making it a more affordable option for long-term financing.
Lumi Payment Pause
Australia’s first interest-free repayment pause, allowing businesses to pause loan repayments for up to 4 weeks without incurring additional interest, helping to support businesses during tough times.
Payment Holiday
Borrow between $10,000 and $750,000 and start making repayments up to 6 weeks later, providing businesses with the breathing room they need to focus on growth before starting repayments.
How to Apply?
Applying for a loan with Lumi is quick and easy:
Apply in 5 Minutes
With a low-doc and unsecured application process, you can apply for loans up to $300,000 in just five minutes.
100% Online
Lumi offers a hassle-free, completely online application with no paperwork required, allowing you to apply from the comfort of your home or office.
Same-Day Decision
Get a decision on your application the same day you apply.
Funds as Early as the Next Business Day
Once approved, you could have your funds in your account as soon as the next business day, providing you with the fast financial support your business needs.
What Are the Main Advantages?
Lumi offers several key advantages for small business owners:
Fast Application Outcomes
Get the results of your application within a few hours.
Flexible Loan Amounts
Borrow from $10,000 to $750,000, with options to suit your business needs.
Repayment Periods
Choose from repayment terms ranging from 3 to 60 months, depending on your financial situation.
No Hidden Fees or Charges
Lumi provides complete transparency, with no unexpected fees or charges.
No Collateral Needed
For loans up to $300,000, you don’t need to provide collateral, making it easier to access funds.
Fast Access to Funds
Receive your loan funds within the same business day after approval.
Trusted Direct Lender
Lumi is a trusted direct lender, ensuring a straightforward and reliable process.
No Early Repayment Fees
Pay off your loan early without any additional fees, offering flexibility and savings.
Contact Information
You can reach Lumi through the following contact details:
- Address : Level 23, 227 Elizabeth Street, Sydney, NSW, Australia
- Phone : +61 1300 005 864
- Email : sales@lumi.com.au
- Facebook : Lumi Finance on Facebook