Cash flow is the lifeblood of any small business — and Lumi knows how to keep it healthy. As a top provider of line of credit loan options and the best online business loans, Lumi helps SMEs stay flexible, agile, and ready for opportunity.

Unlike a traditional term loan, a line of credit gives you access to funds whenever you need them, without having to reapply. Lumi’s revolving credit solutions are ideal for covering unexpected expenses, managing payroll, or investing in short-term growth. Use what you need, when you need it — and only pay for what you use.

In addition to lines of credit, Lumi offers equipment finance SME options, unsecured business loans online, and the best business loans online to suit a wide range of business goals. Whether you’re scaling up or just getting started, Lumi is your partner in progress.

Our process is fully online, streamlined, and stress-free. Applications take minutes, approvals are fast, and funds are often released within a day. We don’t believe in confusing paperwork or hidden clauses — just clear, honest finance that works for you.

Thousands of small businesses across Australia rely on Lumi because we understand what SMEs really need: quick access to capital, transparent terms, and genuine support. We’ve built our reputation on trust, and we’re proud to help Aussie businesses achieve big things.

Whether you need a buffer for slow seasons, funding for a new project, or just peace of mind, Lumi’s line of credit loans give you control and flexibility. Combined with our wide range of other finance solutions, you’ll always have the right tools to succeed.

At Lumi, we don’t just lend money — we help build businesses. Discover why so many SMEs choose us as their go-to financial partner. Fast forward your business today with Lumi.