Seven flexible products from $5,000 to $5,000,000. Whether you need a safety net, a growth engine, or cash today, there’s a Lúmen product built for it.
A revolving credit line you can draw from whenever you need it. Pay interest only on what you use, repay, and draw again — the ultimate working-capital safety net.
A lump sum delivered fast and repaid over a short, fixed schedule. Perfect for time-sensitive opportunities, urgent repairs, or bridging a gap before a big payment lands.
Larger amounts spread over longer terms for serious growth — new locations, acquisitions, or major hires. The lowest monthly payment for the biggest moves.
Sell your outstanding invoices for immediate cash instead of waiting 30, 60, or 90 days. Advance up to 90% today and get the balance, minus a small fee, when your client pays.
Finance the trucks, machinery, kitchen lines, or technology your business runs on. The equipment secures the loan, so rates stay low and qualification stays simple.
Receive a lump sum against future card sales and repay through a small, automatic percentage of daily revenue. Payments flex up in busy weeks and down in slow ones.
Government-backed loans with the longest terms and lowest rates available. The paperwork is famously heavy — so we handle it for you and keep the process moving.
Move the sliders to see an estimated monthly payment and total cost. Adjust the amount, term, and assumed rate to model different scenarios.
Estimate only. Figures use a simplified flat-rate model for illustration and are not an offer, quote, or guarantee of credit. Actual terms depend on underwriting and the product selected. Lúmen Capital is a fictional demo company.
| Product | Amount | Term | Funding speed | Best for |
|---|---|---|---|---|
| Line of Credit | $5K–$250K | 6–24 mo draws | 1–2 days | Cash-flow gaps |
| Short-Term Loan | $5K–$500K | 3–18 months | Same day | Quick opportunities |
| Long-Term Loan | $25K–$1M | 1–5 years | 2–4 days | Expansion |
| Invoice Factoring | Up to 90% | Per invoice | 24 hours | B2B net terms |
| Equipment Financing | $10K–$2M | 2–7 years | 1–3 days | Buying assets |
| Merchant Cash Advance | $5K–$500K | Sales-based | Same day | High card volume |
| SBA Loan | $50K–$5M | Up to 25 yrs | 2–6 weeks | Major investment |
A 5-minute online application with no hard credit pull to see your offers.
Real-time review of your cash flow, with most approvals in 24–48 hours.
E-sign transparent terms and get same-day or next-day funding.
Tell us your goal and a funding advisor will match you to the best option — usually within minutes.