Lumi Finance

Lumi, headquartered in Sydney, Australia, was established in 2018 by Yanir Yakutiel, who serves as the CEO.

With a vision to revolutionise small business lending, Lumi aims to provide simplified and more accessible financial services to specific industries in Australia that face challenges in obtaining financing.

Revolutionising small business lending with speed 

At the core of Lumi's approach is a commitment to transparency. Small business owners have long been burdened with complex loan applications and hidden fees. They’re changing this by banishing hidden charges and ensuring that you have a clear understanding of the terms and conditions of your loan. 

You can expect an open and honest lending process, providing you with the confidence to make informed financial decisions. They believe you deserve a lending solution that is transparent, accurate, and upfront. If questions arise, their team is always ready to help. 

Building a sustainable future for growth

Lumi are not just lenders – they’re responsible partners invested in your success

They hold to the highest ethical standards, ensuring that they only offer funding to businesses they believe can responsibly repay their loans. Their commitment to responsible lending means they take into account your unique circumstances, ensuring that your financial health is safeguarded while fueling your growth. 

Customer-centric approach for exceptional service

When it comes to customer service, they go above and beyond. They understand that your business has specific needs, and they put those needs first. They offer fully customised lending decisions tailored to your individual circumstances. Their dedicated team is committed to delivering the highest level of customer satisfaction. They value respect, honesty, and excellence in every interaction, ensuring that your experience with them is nothing short of exceptional.

A visionary leader passionate about your success 

Yanir Yakutiel, the CEO and founder of Lumi, is deeply committed to empowering Australian small businesses to thrive. With extensive expertise in SME financing and a profound understanding of the unique challenges faced by small business owners, Yanir recognised the transformative potential of utilising real-time big data. This realisation sparked the inception of Lumi, a pioneering small business lender that prioritises satisfaction and harnesses the power of data and analytics.

The vision for Lumi revolves around equipping small business owners with fast, flexible, and fully transparent loan solutions. By harnessing the power of real-time big data,  they’re able to provide customised lending decisions that cater specifically to the needs of individual businesses. They fully acknowledge that limited access to capital is a critical issue for Australian small business owners, and their primary objective is to address and resolve this challenge. 

Ignite your business growth

They’re dedicated to empowering small businesses like yours to achieve your dreams and aspirations. With their commitment to transparency, responsibility, and exceptional customer service, they’re here to fuel your growth. Let Lumi be your trusted partner on the path to success, unlock the financial resources you need to thrive in the competitive business landscape

Lumi understands that every business is unique, with its own set of goals, challenges, and financial needs. That's why they offer a range of flexible loan solutions designed to cater to your specific requirements. 

Whether you're a startup looking for working capital, an established business seeking to expand, or in need of equipment finance, Lumi Finance can provide you with a solution. Their goal is to provide you with the financial resources you need to fuel your growth and take your business to new heights.

Keep your business running smoothly with Lumi’s working capital loans 

They offer working capital loans to help businesses manage their day-to-day operations. Whether you need funds to cover inventory expenses, payroll, or unforeseen costs, their working capital loans provide the liquidity you need to keep your business running smoothly. With quick approvals and flexible repayment terms, they ensure that you have the working capital necessary to seize opportunities and overcome financial hurdles. 

Making growth possible: Equipment financing

Investing in new equipment or upgrading existing machinery can be a game-changer for your business. Their equipment financing options enable you to acquire the tools and assets you need to enhance productivity, efficiency, and competitiveness. From manufacturing equipment to technology infrastructure, they offer competitive rates and customised repayment plans, ensuring that you can access the equipment necessary to take your business to the next level.

Unlock new growth opportunities with Lumi finance

When the time comes to expand your business, Lumi will support you. Their business expansion loans provide the financial backing you need to scale your operations, open new locations, or enter new markets.

Whether you're pursuing organic growth or considering acquisitions, they work closely with you to understand your expansion plans and tailor a loan solution that aligns with your business goals. With their fast approval process, you can seize growth opportunities without delay.

Optimise cash flow and manage accounts receivable

For businesses facing cash flow challenges due to delayed payments from customers, their invoice financing service offers a solution. They provide a way to access the funds tied up in your outstanding invoices, allowing you to bridge the gap between invoice issuance and actual payment.

By unlocking the value of your receivables, you can optimise your cash flow, meet operational expenses, and maintain business continuity. Their invoice financing options are designed to be flexible and convenient, giving you the freedom to focus on your core business. 

They understand that business needs can fluctuate, and having access to flexible financing is crucial. That's why they offer a line of credit that provides ongoing access to funds as you need them.

With a pre-approved credit limit, you can tap into the line of credit whenever necessary, whether it's for short-term cash flow needs, unexpected expenses, or strategic opportunities. Their line of credit offers convenience, flexibility, and peace of mind, empowering you to manage your finances effectively.