Small and medium-sized enterprises often face challenges in accessing timely and transparent funding due to lengthy application processes and hidden fees associated with traditional lending institutions. This can hinder their ability to manage cash flow effectively and capitalize on growth opportunities.

Lumi provides unsecured business loans and lines of credit designed to streamline access to capital for SMEs. Through a fully online application process, Lumi offers funding decisions within hours and can provide funds as early as the next business day. With loan amounts ranging from $10,000 to $750,000 and lines of credit up to $250,000, businesses can secure the necessary capital without the need for extensive paperwork or collateral for loans up to $300,000. Lumi distinguishes itself by offering transparent terms, no hidden fees, and options to customize loan repayments with features like Rate Ease™, Payment Pause, and Payment Holiday.

Unsecured business loans up to $300,000 and lines of credit up to $250,000

Fully online application process with same-day lending decisions

Funds available as early as the next business day

Flexible repayment terms ranging from 3 to 36 months

No hidden fees or early repayment charges

Customizable loan options including Rate Ease™, Payment Pause, and Payment Holiday

Loans from $10,000 - $750,000

Lumi primarily targets small and medium-sized business owners seeking accessible and transparent financing solutions to support their growth and manage cash flow effectively.