Business Line of Credit
Draw what you need, when you need it, and only pay for what you use. Revolving capital up to $250,000.
Learn more
No hard credit check to apply
Capital at the speed of light.
Fast, unsecured business funding from $5,000 to $5,000,000. Approvals in 24–48 hours and funding as soon as the same day — so you never have to put growth on hold.
Same-day funding
5-minute application
No obligation
See how much you qualify for
Soft check only. It won’t affect your credit score.
Bank-level 256-bit encryption
4.9 / 5 from 3,200+ reviews
A+ Accredited rating
Funding in as little as 4 hours
$1B+
Capital deployed to date
10,000+
Businesses funded
95%
Funded within 48 hours
90%
Customer renewal rate
A+ BBB Accredited
Better Business Bureau
Better Business Bureau
Trustpilot 4.9/5
★★★★★ 3,200+ reviews
★★★★★ 3,200+ reviews
256-bit SSL Secured
Bank-grade encryption
Bank-grade encryption
SOC 2 Type II
Independently audited
Independently audited
How it works
Funding in three simple steps
No spreadsheets, no branch visits, no endless back-and-forth. Just a clear path from application to cash in your account.
01
Apply & submit
Complete our 5-minute online application and securely connect your bank — no hard credit pull to see your offers.
02
Underwrite & approve
Our underwriting engine reviews your cash flow in real time. Most approvals land within 24–48 hours, often faster.
03
Sign & fund
Review transparent terms, e-sign, and receive same-day or next-day funding directly to your business account.
Why Lúmen
A funding partner that moves at your pace
We pair real-time underwriting with advisors who actually pick up the phone. No branch visits, no fine-print traps — just transparent capital, sized to your business and delivered when you need it.
- Real humans, not a faceless portal
- Transparent pricing before you sign
- 90% of customers come back to fund again
Funding products
Seven ways to power your next move
Flexible capital built around how your business actually operates. Pick a product or let an advisor match you in minutes.
Short-Term Loans
A lump sum for urgent opportunities, repaid over 3–18 months with fixed, predictable payments.
Learn moreLong-Term Loans
Larger capital for expansion and big bets, with terms up to 5 years and the lowest monthly cost.
Learn moreInvoice Factoring
Turn unpaid invoices into immediate cash. Advance up to 90% and stop waiting 30, 60 or 90 days to get paid.
Learn moreEquipment Financing
Acquire trucks, machinery, and tech with the equipment itself as collateral — up to 100% financed.
Learn moreMerchant Cash Advance
Get an advance on future sales and repay as a small, flexible percentage of your daily card revenue.
Learn moreSBA Loans
Government-backed financing with the longest terms and lowest rates. We handle the paperwork for you.
Learn moreNot sure which fits?
Tell us your goal and we’ll match you to the right product.
Match me
Industries we serve
Built for the businesses that build everything
From job sites to operating rooms, we speak the language of your industry and underwrite for how it really works.
Construction
Healthcare
HVAC
Manufacturing
Restaurants
Trucking
Retail
Technology
Customer stories
Owners who refuse to wait
A 22% referral rate isn’t an accident — it’s what happens when funding actually shows up on time.
Questions, answered
The short version
No. Checking your options uses a soft inquiry only, which never affects your credit score. A hard pull only happens later, with your explicit consent, if you choose to move forward with a final offer.
Most applicants are approved within 24–48 hours and 95% are funded within 48 hours of approval. For straightforward files, same-day funding is common — sometimes in as little as four hours.
The basics: at least 6 months in business, $15,000+ in monthly revenue, and a personal credit score of 500 or higher. Many products are more flexible — an advisor will help you find the right fit.
Your next move shouldn’t wait on a bank.
Apply in five minutes, get a decision in hours, and keep your business moving at full speed.