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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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
657 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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Great service
Great service, good communication and Cameron was so personable. A great experience you don’t often get these days
10 April 2026
Amazing quick and reliable that’s what…
Amazing quick and reliable that’s what you need in situations where you think that you have no one else to help and Lumi comes to the party. ❤️🙏❤️ Thomas is the goat
2 April 2026
Easy process
2 April 2026
Superfast friendly service and a very…
Superfast friendly service and a very easy process
1 April 2026
stitch up
Lumi initially presents as a very user-friendly and efficient lending platform. The application process is straightforward, approval is quick, and accessing funds is easy — which makes it appealing for small businesses needing fast finance.
However, my experience after that initial stage has been extremely disappointing.
After missing a single payment — due to a public holiday causing the repayment to be processed earlier than expected — my account was immediately restricted. Even though I rectified the payment the following day and maintained a perfect repayment history for the next 12 months, my facility was never reinstated.
Instead, I was locked out of accessing further funds and required to continue repayments at the highest interest rate, with no flexibility or consideration given despite consistent performance since.
This rigid approach shows a lack of understanding of how real businesses operate, particularly when minor, one-off issues occur. There appears to be little willingness to work with customers or support them beyond the initial loan stage.
Based on my experience, I would strongly recommend that other businesses carefully consider alternative funding options before proceeding.
1 March 2026
Unprompted review
Reply from Lumi
Hi, thank you for sharing your feedback.
We're sorry to hear your experience with Lumi didn't meet your expectations.
We do have processes in place regarding access to facilities following a missed payment, and we understand this can be frustrating, especially when the situation was outside of your control. We'd genuinely like the opportunity to look into what happened and better understand your experience.
Please get in touch with our team directly, and we'll be happy to work with you to resolve this.
Very easy to deal with and very quick…
Very easy to deal with and very quick and stress-free process as always
27 March 2026
I can only describe my dealings with…
I can only describe my dealings with Lumi as extremely professional and efficient.
30 March 2026
Very fast and excellent
6 March 2026
Simple and straight forward
4 March 2026
Great service and incredible fast…
Great service and incredible fast turnaround time. So much easier than dealing with the bank. Thank you
6 March 2026
it was a prompt service I'm very happy…
it was a prompt service I'm very happy with turn around time frame....
I would recommend Lumi in the future
2 March 2026
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