Lumi Finance – Fast, Fair, and Flexible Finance for Australian SMEs

Lumi Finance is your go-to destination for fast and flexible business funding. Recognized as one of the best commercial lenders Australia wide, Lumi helps small and medium enterprises access finance without the stress. We’re more than just a lender — we’re a growth partner committed to helping Aussie businesses succeed.

Unlike traditional lenders bogged down by red tape and outdated practices, Lumi Finance offers a seamless digital lending experience with a strong focus on customer needs. Our products include business loans and lines of credit that can be approved and funded in as little as one business day. We’ve helped thousands of businesses across Australia grow, adapt, and thrive with smart financial support tailored to their journey.

Transparency is at the core of everything we do. That means no complex paperwork, no hidden costs, and no surprises. Our loans come with fixed, easy-to-understand fees, so you always know exactly what you’re paying. At Lumi, we value your time and trust — that’s why we’ve built a lending platform designed for speed, simplicity, and security.

One of our standout features is our intuitive Business Loan Calculator, which gives you a real-time snapshot of your borrowing options. This tool is designed for business owners who want to make informed decisions. You can adjust loan amounts, repayment terms, and frequency to see how different scenarios would affect your budget. The Business Loan Calculator is free to use and requires no commitment — just clear numbers to guide your choices.

Lumi Finance works with businesses in all industries, from retail and hospitality to manufacturing and professional services. Whether you need $5,000 to cover short-term expenses or up to $500,000 for growth capital, we’ve got a lending solution to match your ambition. Our team of finance experts is here to support you every step of the way, helping you structure your loan in a way that complements your cash flow and growth plans.

We believe finance should work for you — not against you. That’s why our flexible repayment options, transparent pricing, and responsive support make us one of the best commercial lenders in Australia. We’re not just funding businesses — we’re fueling success stories.

At Lumi, your business goals become our priority. We’re proud to support the backbone of Australia’s economy: the small business community. If you're ready to experience a better way to borrow — one that’s clear, fair, and fast — then Lumi Finance is ready to help.

Visit our website to use our Business Loan Calculator or start your application today. With Lumi Finance, the future of your business is just a click away.