Lumi Business Line of Credit

Business line of credit up to $1M, with weekly repayments, for businesses managing cash flow.

Cashflow Loans Working Capital Finance

Source dated 23 Sept 2026

Amount: Up to $1M
Term: Up to 5 yrs
Rate: From 15.5% APR
Security: Varies

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Product details

As published by Lumi. Details not published by the lender are marked.

Loan amount: Up to $1M
Rate: From 15.5% APR
Term: Up to 5 yrs
Security: Varies
Structure: Line of credit
Fees: No ongoing or early repayment fees
Repayment frequency: Weekly
Early repayment: No early repayment fees
Time trading: 6+ months trading
Turnover: $50K+ annual revenue
Funding time: Approval and funding on the same business day; funds typically available the day approved
Restrictions: Valid ABN or ACN. Most amounts up to $300K are unsecured; larger amounts may need property backing
How to apply: Direct with the lender, or through us
Not published by Lumi: rate type, documents, guarantees
Suitable purposes: Cash flow

About Business Line of Credit

Lumi publishes these details for Business Line of Credit: structure line of credit; loan amount up to $1M; term up to 5 yrs; security varies; time trading 6+ months trading; turnover $50K+ annual revenue. Not published by Lumi for this product: maximum LVR, documentation, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Lumi products

Small Business Loan: Structure is line of credit here and term loan for Small Business Loan; documentation is published for Small Business Loan (aBN or ACN, driver's licence and business bank account details (for online banking)) but not for this product; funding time is approval and funding on the same business day; funds typically available the day approved here and same-day funding available; funds typically arrive 6 to 8 hours after approval, depending on bank for Small Business Loan; guarantees is published for Small Business Loan (personal guarantee required) but not for this product.

Sources and freshness

Version 1, effective 23 Sept 2026. Initial load from lender website.

lumi.com.au/business-line-of-creditObtained 23 Sept 2026
lumi.com.auObtained 23 Sept 2026

How we source product data

Important information

About rates and fees.: Business finance is priced individually. Rates shown are the lender's published starting or indicative rates, not guaranteed rates. Where a lender does not publish a rate we still list the product and show how it is priced: "Rate available on application", "Risk-based pricing" (the lender says the rate depends on your risk or credit profile) or "Individual assessment" (the lender tailors pricing to each customer). Your rate and fees are confirmed by the lender after assessment.
Eligibility.: Meeting published criteria does not guarantee approval. Lenders also consider credit history, conduct of accounts, industry, security and the purpose of the loan.
Commercial relationships.: Where we have a commercial relationship with a lender, it is shown on that lender's profile. Appearing on our homepage or in results does not by itself mean a commercial relationship exists.

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Lumi Business Line of Credit

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About Business Line of Credit

How it differs from other Lumi products

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