Built to help small businesses thrive
We started Lumo Money with a clear mission, to bring fairness, speed, and clarity to business lending. By combining smart technology with real support.
Run by people who understand small business
Run by people who understand small business
We’ve been where small business owners are. Chasing invoices, managing cash flow, and waiting too long for decisions. That’s why we built Lumo Money: to make funding simple, transparent, and fast.
We’ve been where small business owners are. Chasing invoices, managing cash flow, and waiting too long for decisions. That’s why we built Lumo Money: to make funding simple, transparent, and fast.
Flexible for every business setup, from solo founders to growing teams.
Flexible for every business setup, from solo founders to growing teams.
Flexible for every business setup, from solo founders to growing teams.
Built for speed, simplicity, and trust without the usual complexity.
Built for speed, simplicity, and trust without the usual complexity.
Built for speed, simplicity, and trust without the usual complexity.
Backed by people who understand what running a business takes.
Backed by people who understand what running a business takes.
Backed by people who understand what running a business takes.
Designed to make business funding feel effortless.
Designed to make business funding feel effortless.
Designed to make business funding feel effortless.
Small team, big impact
Small team, big impact
Our platform combines technology, experience, and trust to deliver funding at scale quickly, and securely.
Our platform combines technology, experience, and trust to deliver funding at scale quickly, and securely.
Average payout time
48h
Average payout time
48h
Total funding delivered through Lumo
£420M+
£420M+
Total funding delivered through Lumo
£420M+
UK businesses funded to date
5,000+
UK businesses funded to date
5,000+
Overall customer satisfaction rating
4.9
Overall customer satisfaction rating
4.9
UK regions served
12
UK regions served
12
How we approach lending differently
We’re not just another lender. We combine smart technology with real human understanding to make business finance simple, supportive, and built around you.
Built for reality
We design funding around the realities of running a business, not corporate checklists.
Built for reality
We design funding around the realities of running a business, not corporate checklists.
Built for reality
We design funding around the realities of running a business, not corporate checklists.
Clarity first
You’ll always know what you’re getting, what it costs, and when it lands. No hidden catches.
Clarity first
You’ll always know what you’re getting, what it costs, and when it lands. No hidden catches.
Clarity first
You’ll always know what you’re getting, what it costs, and when it lands. No hidden catches.
Human touch
Automation handles the speed. People handle the care. It’s the best of both worlds.
Human touch
Automation handles the speed. People handle the care. It’s the best of both worlds.
Human touch
Automation handles the speed. People handle the care. It’s the best of both worlds.
Confidence
With trusted partners and FCA oversight, we make borrowing simple and safe.
Confidence
With trusted partners and FCA oversight, we make borrowing simple and safe.
Confidence
With trusted partners and FCA oversight, we make borrowing simple and safe.
Recognised for doing things differently
Recognised for doing things differently
Featured as a UK Fintech Innovator (2025)
Shortlisted British Tech Excellence Awards (2025)
Proudly partnered with Biritish Business Bank
Featured as a UK Fintech Innovator (2025)
Shortlisted British Tech Excellence Awards (2025)
Proudly partnered with Biritish Business Bank
Join us in shaping the future
Join us in shaping the future
Finance doesn’t have to be slow, or complex. At Lumo Money, we’re building a team that makes it clear.
Finance doesn’t have to be slow, or complex. At Lumo Money, we’re building a team that makes it clear.