The Staff and Owners at Lumi are all very friendly helpful and well aware of small business cash flow needs and requirements over the Xmas /New Year shut down period. They are very thorough and happy... See more
Company replied
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Review summary
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We have used LUMI on multiple occasions to finance our business needs. 10/10 customer service, someone is always willing to listen and help. The proccess was quick and easy. Would reccomend to any sma... See more
I would have to say that my experience with Lumi was that of absolute exceptional and professional excellence. At no point did I feel uninformed, at every point I felt heard and vindicated. My small b... See more
Yas our lender was extremely kind, efficient and the whole process was not stressful. He was very transparent and honest throughout and we are really happy with our experience. Thank you!
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Company details
Written by the company
Lumi takes the guesswork out of small business funding. We offer small business loans and lines of credit up to $1m to support your growth. Forget lengthy application processes and sneaky, hidden fees. Lumi is shaking up small business lending to provide you with fast access to finance that’s accurate, fair, and honest. We’re all about total transparency and are setting high standards for the fintech industry worldwide. A few other reasons why you'll love Lumi: - Application outcomes within a few hours - Loans from $10,000 - $1,000,000 - Repayment periods of up to 5 years - No hidden fees or charges - No collateral needed for loans up to $300,000 - Receive funds within the same business day - Customise your loan with Rate Ease, Payment Pause and Payment Holiday - No early repayment fees
Contact info
Level 23 - 227 Elizabeth Street, 2000, Sydney, Australia
- 1300 005 864
- sales@lumi.com.au
- www.lumi.com.au
4.8
Excellent
649 reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 1 month
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Swift, uncomplicated process
Super simple process to set up a business line of credit
December 9, 2025
Reply from Lumi
A simple and seamless experience is what our customers deserve to provide them with funding when it's needed.
Reply from Lumi
A seamless and quick turnaround for our customers is important to us to keep small businesses moving.
Great to deal with
The people I dealt with were so helpful, very informative and over achieved on what it need.
December 5, 2025
Reply from Lumi
Our team is here to help and your dedicated account manager is available for any future needs.
Speedy onboarding and payment
The onboarding was super simple and Sarah was excellent. Even with a few documentation issues relating to my Trust, it was dealt with speedily, and then loan was available within a few days
December 8, 2025
Reply from Lumi
Sarah is fantastic, we understand how important time is to small business owners who are very busy, we aim to provide a seamless process to keep small businesses moving.
Honestly the best and most service
Honestly the best and most service
I’ve had great communication and very
Helpful
December 4, 2025
Reply from Lumi
We are pleased to hear that the service you received was the best.
Reply from Lumi
We are glad to hear your experience was easy and seamless.
Deceptive. Dangerous lender.
Deceptive. Dangerous lender.
They will promise the world however their MO is to get you into loans at high interest rates (40%) and when they feel like it, without prior notice, will stop your line of credit and keep you locked in a loan at 40% interest, paying them back endlessly. Stay away. Especially if you have a business and want to keep it!
November 27, 2024
Unprompted review
Reply from Lumi
We're sorry to hear about your experience, can you please provide us with your email and phone number to sales@lumi.com.au to look into this further for you.
Reply from Lumi
We are glad to hear your experience was simple and seamless
Reply from Lumi
Clear and concise communication is key for our customers, we are transparent to make the process seamless.
Reply from Lumi
A seamless and simple application process is key to having more small businesses funded when it matters the most.
Helpful team
Appreciated the stress free process. I've just signed up. Seamless procedure, great team.
November 16, 2025
Reply from Lumi
Funding for small businesses should be simple and easy to allow them to get back to doing what they love most.
Reply from Lumi
We pride ourselves on being easy to work with and providing an excellent service for our new and existing customers.
The process took a little longer than…
The process took a little longer than expected but overall it was a great experience
November 19, 2025
Great customer service from Lisa
Great customer service from Lisa .
She explained everything clearly .
November 18, 2025
Reply from Lumi
Lisa is great to work with and always transparent with her customers
Reply from Lumi
We are sorry to hear your experience was confusing, we always aim to improve our customer experience to make the process of getting access to capital simpler. Your feedback is valuable to us as a lender.
Reply from Lumi
We are glad to hear your experience was pleasant and we look forward to working with you in the future also
Good and helpful service
November 17, 2025
Thank you Lumi
Thank you Lumi.
Process was smooth and so easy. Smooth approval and stress and hassle free. Approval and transfers done when they said it would be.
Thank you
November 13, 2025
Professional Team
The support I received from both Nathan Ho and Fiona Doshi was professional and efficient in assisting me with my application. A big thanks to them both and Lumi for your continued support.
November 13, 2025
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