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Lumi Finance

  • Business loans up to $500,000
  • Low-interest starting from 9%
  • Repayment up to 36 months

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Author Lumi Finance. Screenshot of Lumi Finance website.
[Accessed August 8, 2023]

About 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 Finance Services

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.

Lumi Finance – Business loan

  • Loan Type Business loans
  • Interest Rate 924% p/a
  • Loan Amount up to $500,000
  • Repayment 3 months to 36 months

Benefits of Lumi Finance

  • Transparent business finance
  • Flexible lending solutions
  • No hidden fees

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Online Lumi finance application for your business - Start your journey with a single click!

Applying for a loan should be a breeze and allow you to focus on what truly matters - and that’s exactly what Lumi finance can do for you. 

Document preparation - Gather the essentials for liftoff

It's crucial to arm yourself with these essential documents. Showcasing your business's financial health but also providing valuable insights into your operations and strategies.

  • Business plan: This is your opportunity to paint a vivid picture of your business's vision and potential. Craft a compelling story that outlines your goals, objectives, target market, competitive advantage, and strategies for growth. Share your business's unique value proposition and demonstrate your understanding of market dynamics.
  • Financial statements: Provide a snapshot of your business's financial performance and stability. Include recent balance sheets, profit and loss statements, and cash flow statements. They’ll closely examine these statements to evaluate your business's financial health and repayment capacity.
  • Bank statements: Business bank statements play a crucial role in demonstrating your financial status. Last three to six months' statements that show your cash flow, incoming revenue, and outgoing expenses.
  • Tax returns: Illuminate your financial history by providing personal and business tax returns for the past two years. A comprehensive view of your business's income, deductions, and compliance with tax obligations. they’ll review your tax returns to gain insights into your financial stability, profitability, and adherence to regulatory requirements.
  • Identification: Verify the identity of all business owners and key stakeholders. Provide valid identification documents, such as passports or driver's licences. 

Submit your application - Rockets fueled, ready for takeoff!

  • Review your application, ensuring every detail is accurate and reflects your business's vision.
  • Effortlessly upload your diligently prepared documents through their secure online portal.
  • Your application has officially launched into the stratosphere!

Review and approval - Experts unleash their magic

  • Their team of seasoned lending specialists reviews your application.
  • Expect stellar communication - They’ll reach out promptly if they need any additional documents or clarification.
  • Trust their experts to evaluate your financial viability, creditworthiness, and potential for intergalactic success.

Offer and agreement - Your financial galaxy awaits

  • Behold, your personalised loan offer has arrived, crafted to your unique needs and aspirations.
  • Carefully review the offer's details, including the loan amount, interest rate, repayment terms, and any stellar perks.
  • Need guidance on deciphering the universe of loan terms? Their dedicated team is ready to enlighten you.

Acceptance and funds disbursement - Blast off to success!

  • With excitement, accept the Lumi finance offer electronically or personally sign the agreement - your official ticket to business triumph!
  • As the engines roar, the approved funds will swiftly disburse into your designated business account.
  • Brace yourself for the journey ahead as you unleash the power of capital to conquer new frontiers of success. 

Reach for the stars - Ignite your business! 

Lumi’s mission is crystal clear - to fuel your business dreams while ensuring an efficient and transparent application process.

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Lumi Finance Contact

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Opening Hours

  • Monday 08:30 – 18:00
  • Tuesday 08:30 – 18:00
  • Wednesday 08:30 – 18:00
  • Thursday 08:30 – 18:00
  • Friday 08:30 – 18:00
  • Saturday – Closed
  • Sunday – Closed