Apply in minutes
Flexible as you grow
Get business funding that keeps you moving
Borrow up to £500k with transparent rates and quick decisions all handled online in minutes.
Apply in minutes
Flexible as you grow
Get business funding that keeps you moving
Borrow up to £500k with transparent rates and quick decisions all handled online in minutes.
A simpler way to fund your next move.
Lending shouldn’t take weeks. So we built a faster, clearer way to fund your growth
Lending shouldn’t take weeks. So we built a faster, clearer way to fund your growth
BRITISH BUSINESS BANK
ACCREDITED RECOVERY LOAN SCHEME
68% of SMEs feel that slow loan processes hold back growth.
68% of SMEs feel that slow loan processes hold back growth.
68% of SMEs feel that slow loan processes hold back growth.
90% of our applications are completed fully online.
90% of our applications are completed fully online.
90% of our applications are completed fully online.
48h average time from approval through to funding.
48h average time from approval through to funding.
48h average time from approval through to funding.
Trusted by thousands of growing businesses
Our clients include ambitious startups and established brands all reshaping how business funding works.
Trusted by 2,000+ UK businesses to fund growth with confidence.
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Everything your business needs from application to funding
Lumo Money takes the stress out of business finance. No long forms, no jargon, and no waiting weeks. Apply online, get a quick decision, and manage your loan easily in one place.
Lumo Money takes the stress out of business finance. No long forms, no jargon, and no waiting weeks. Apply online, get a quick decision, and manage your loan easily.
Simple online applications
Transparent terms you can trust
Quick access to insights
Apply in minutes
Tell us what your business needs, connect your bank securely, and see your options instantly. It’s quick, friendly, and built to fit around your schedule.
Apply in minutes
Tell us what your business needs, connect your bank securely, and see your options instantly. It’s quick, friendly, and built to fit around your schedule.
Transparency first
Choose the loan amount and repayment plan that suit your business. Lumo shows your total cost upfront with no hidden fees so you can plan with confidence.
Transparency first
Choose the loan amount and repayment plan that suit your business. Lumo shows your total cost upfront with no hidden fees so you can plan with confidence.
Repayment tracking
Your dashboard shows what has been paid and what’s ahead. Stay organised, plan ahead, and download simple summaries for your records.
Repayment tracking
Your dashboard shows what has been paid and what’s ahead. Stay organised, plan ahead, and download simple summaries for your records.
Built for real-world business lending
Built for real-world business lending
From application through to funding, Lumo Money makes business finance simple. Clear terms, quick decisions, and ongoing support that grows with you.
From application through to funding, Lumo Money makes business finance simple. Clear terms, quick decisions, and ongoing support that grows with you.
Quick to start
Apply in minutes with our guided setup. You’ll get a fast decision and be ready to fund your next move right away.
Quick to start
Apply in minutes with our guided setup. You’ll get a fast decision and be ready to fund your next move right away.
Quick to start
Apply in minutes with our guided setup. You’ll get a fast decision and be ready to fund your next move right away.
Simple to use
Lumo’s clean dashboard keeps everything in one place. Manage your loan, track repayments, and plan ahead with ease.
Simple to use
Lumo’s clean dashboard keeps everything in one place. Manage your loan, track repayments, and plan ahead with ease.
Simple to use
Lumo’s clean dashboard keeps everything in one place. Manage your loan, track repayments, and plan ahead with ease.
Fully connected
Link your business bank and accounting software securely. We handle the data, so you can focus on running your business.
Fully connected
Link your business bank and accounting software securely. We handle the data, so you can focus on running your business.
Fully connected
Link your business bank and accounting software securely. We handle the data, so you can focus on running your business.
Ready to grow
As your business expands, Lumo adapts. Add new funding, adjust terms, and access expert support whenever you need it.
Ready to grow
As your business expands, Lumo adapts. Add new funding, adjust terms, and access expert support whenever you need it.
Ready to grow
As your business expands, Lumo adapts. Add new funding, adjust terms, and access expert support whenever you need it.
The Lumo shift straight from our users
The Lumo shift straight from our users
The Lumo shift straight from our users
Hear how Lumo Money is helping UK businesses move faster with fair, transparent funding.
Hear how Lumo Money is helping UK businesses move faster with fair, transparent funding.
Hear how Lumo Money is helping UK businesses move faster with fair, transparent funding.
SOPHIE TURNER
Bloom & Ivy Florist
"Lumo made the whole process simple. I applied on a Monday and had funds in my account by Wednesday, no endless forms or confusing terms"
48h
Time from approval to funding
100%
Confidence in repayment clarity
JAMES KELLY
KELLY BUILD & DESIGN
“We used our Lumo loan to take on a new contract we’d have otherwise had to turn down. The speed and communication were a breath of fresh air.”
+35%
Increase in project capacity
2 days
Average response time
ADAM MALIK
THE CRAFTED CUP
“Every step was clear, and the support felt personal. Lumo helped us manage cash flow during a busy season without the stress.”
4.9/5
Customer satisfaction
3x
Faster cash flow turnaround
SOPHIE TURNER
Bloom & Ivy Florist
"Lumo made the whole process simple. I applied on a Monday and had funds in my account by Wednesday, no endless forms or confusing terms"
48h
Time from approval to funding
100%
Confidence in repayment clarity
JAMES KELLY
KELLY BUILD & DESIGN
“We used our Lumo loan to take on a new contract we’d have otherwise had to turn down. The speed and communication were a breath of fresh air.”
+35%
Increase in project capacity
2 days
Average response time
ADAM MALIK
THE CRAFTED CUP
“Every step was clear, and the support felt personal. Lumo helped us manage cash flow during a busy season without the stress.”
4.9/5
Customer satisfaction
3x
Faster cash flow turnaround
SOPHIE TURNER
Bloom & Ivy Florist
"Lumo made the whole process simple. I applied on a Monday and had funds in my account by Wednesday, no endless forms or confusing terms"
48h
Time from approval to funding
100%
Confidence in repayment clarity
JAMES KELLY
KELLY BUILD & DESIGN
“We used our Lumo loan to take on a new contract we’d have otherwise had to turn down. The speed and communication were a breath of fresh air.”
+35%
Increase in project capacity
2 days
Average response time
ADAM MALIK
THE CRAFTED CUP
“Every step was clear, and the support felt personal. Lumo helped us manage cash flow during a busy season without the stress.”
4.9/5
Customer satisfaction
3x
Faster cash flow turnaround
From petals to progress how bloom & ivy turned design into growth
+65%
Revenue growth
“Lumo made funding simple and fast, we had what we needed to grow in just two days.”
SOPHIE TURNER
FOUNDER, BLOOM & IVY
48h
Funding turnaround
From petals to progress how bloom & ivy turned design into growth
+65%
Revenue growth
“Lumo made funding simple and fast, we had what we needed to grow in just two days.”
SOPHIE TURNER
FOUNDER, BLOOM & IVY
48h
Funding turnaround
From petals to progress how bloom & ivy turned design into growth
+65%
Revenue growth
“Lumo made funding simple and fast, we had what we needed to grow in just two days.”
SOPHIE TURNER
FOUNDER, BLOOM & IVY
48h
Funding turnaround
News, insights, and stories from Lumo
News, insights, and stories from Lumo
From funding tips to customer stories, explore how Lumo Money is helping UK businesses grow, simplify their finances, and reach the next stage with confidence.
Funding that moves as fast as you do
Lumo Money helps UK businesses access fair, transparent loans, with quick decisions, clear terms, and real support when you need it.
Apply in minutes
Most businesses get an instant decision
Flexible as you grow
Choose amounts and terms that fit your business
Funding that moves as fast as you do
Lumo Money helps UK businesses access fair, transparent loans, with quick decisions, clear terms, and real support when you need it.
Apply in minutes
Most businesses get an instant decision
Flexible as you grow
Choose amounts and terms that fit your business
