Smart funding for growing businesses
We make borrowing feel effortless, fast decisions, clear repayments, and a team that understands what running a business really takes.
Loan visibility
Loan visibility
Loan visibility
See your funding clearly, every step of the way
It’s your loan, so you deserve to see everything. Check your balance, track payments, and stay fully in control at any time, with no hidden details or surprises.
Business loan details
Business loan details
Business loan details
Bloom & Ivy Florist
Bloom & Ivy Florist
Bloom & Ivy Florist
Funded on 02 Oct 2025, 10:15 AM
Funded on 02 Oct 2025, 10:15 AM
Funded on 02 Oct 2025, 10:15 AM
£12,500
£12,500
£12,500
Loan type
Loan type
Loan type
Growth funding
Growth funding
Growth funding
Status
Status
Status
Active
Active
Active
Repayment term
Repayment term
Repayment term
24 months
24 months
24 months
Interest rate
Interest rate
Interest rate
3.5% Fixed
3.5% Fixed
3.5% Fixed
Download statement
Contact support
Download statement
Contact support
Download statement
Contact support
"Lumo made the process easy and transparent. I could see exactly what I was approved for, track my payments, and plan ahead without stress."
JESSICA WARD
OWNER @
Bloom & Ivy Florist
Loan information updates automatically, so you know exactly where things stand.
Loan information updates automatically, so you know exactly where things stand.
Loan information updates automatically, so you know exactly where things stand.
Get gentle alerts when payments are due or milestones are reached.
Get gentle alerts when payments are due or milestones are reached.
Get gentle alerts when payments are due or milestones are reached.
Organise loans and repayments in a way that makes sense for you.
Organise loans and repayments in a way that makes sense for you.
Organise loans and repayments in a way that makes sense for you.
Share clean statements or reports with your team or accountant.
Share clean statements or reports with your team or accountant.
Share clean statements or reports with your team or accountant.
Clean, filtered exports you can share instantly.
Clean, filtered exports you can share instantly.
Clean, filtered exports you can share instantly.
Tailored offers
Tailored offers
Tailored offers
Tailored finance offers for your business
Every business is different, your funding should be too. Lumo offers are shaped around how your business actually runs, with fair, flexible options,
Tailored to you
We analyse your real trading data to build a funding offer that reflects how your business operates, flexible, sustainable, and made to fit your goals.
Tailored to you
We analyse your real trading data to build a funding offer that reflects how your business operates, flexible, sustainable, and made to fit your goals.
Tailored to you
We analyse your real trading data to build a funding offer that reflects how your business operates, flexible, sustainable, and made to fit your goals.
No surprises
Your rates, terms, and total repayment are shown upfront in a simple, easy-to-read format, giving you full confidence before you commit to anything.
No surprises
Your rates, terms, and total repayment are shown upfront in a simple, easy-to-read format, giving you full confidence before you commit to anything.
No surprises
Your rates, terms, and total repayment are shown upfront in a simple, easy-to-read format, giving you full confidence before you commit to anything.
Fast, fair decisions
Our technology reviews your details instantly and delivers a fair, personalised offer within minutes, no paperwork, no waiting weeks for a response.
Fast, fair decisions
Our technology reviews your details instantly and delivers a fair, personalised offer within minutes, no paperwork, no waiting weeks for a response.
Fast, fair decisions
Our technology reviews your details instantly and delivers a fair, personalised offer within minutes, no paperwork, no waiting weeks for a response.
Easy Repayments
Easy Repayments
Easy Repayments
Manage repayments every step of the way
Once your funds are in place, Lumo makes it simple to stay on top of your repayments. Track balances, schedules, and progress in real time.
Clear visibility
See upcoming payments, total balances, and repayment progress in one dashboard designed for clarity, no hidden details or confusing breakdowns.
Clear visibility
See upcoming payments, total balances, and repayment progress in one dashboard designed for clarity, no hidden details or confusing breakdowns.
Clear visibility
See upcoming payments, total balances, and repayment progress in one dashboard designed for clarity, no hidden details or confusing breakdowns.
Simple management
Adjust schedules, review terms, and access account details anytime, all managed through our easy online portal built for speed and control.
Simple management
Adjust schedules, review terms, and access account details anytime, all managed through our easy online portal built for speed and control.
Simple management
Adjust schedules, review terms, and access account details anytime, all managed through our easy online portal built for speed and control.
Always supported
Get help whenever you need it. Our team is available to answer questions and guide you through repayment with transparency and care.
Always supported
Get help whenever you need it. Our team is available to answer questions and guide you through repayment with transparency and care.
Always supported
Get help whenever you need it. Our team is available to answer questions and guide you through repayment with transparency and care.
Better Borrowing
Built around real businesses
Made for the people behind UK businesses, the founders, shop owners, and builders who make things happen. We keep funding simple, fast, and human, so you can focus on running your business.
Better Borrowing
Built around real businesses
Made for the people behind UK businesses, the founders, shop owners, and builders who make things happen. We keep funding simple, fast, and human, so you can focus on running your business.
Better Borrowing
Built around real businesses
Made for the people behind UK businesses, the founders, shop owners, and builders who make things happen. We keep funding simple, fast, and human, so you can focus on running your business.
Fast process
Funding without the wait
Apply online in minutes and receive a clear, tailored offer for your business. You’ll always know what to expect, with transparent terms and support at every step.
Fast process
Funding without the wait
Apply online in minutes and receive a clear, tailored offer for your business. You’ll always know what to expect, with transparent terms and support at every step.
Fast process
Funding without the wait
Apply online in minutes and receive a clear, tailored offer for your business. You’ll always know what to expect, with transparent terms and support at every step.
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
TURNER FLORAL STUDIO
"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
TURNER FLORAL STUDIO
"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
TURNER FLORAL STUDIO
"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
Frequently asked questions
Answers to common questions about getting started, applying for funding, and managing your account.
Book a quick call
Want to learn how Lumo can support your business? Book a quick call with one of our specialists, no pressure, just honest advice.
Do you prefer email? We're available at:
Book a quick call
Want to learn how Lumo can support your business? Book a quick call with one of our specialists, no pressure, just honest advice.
Do you prefer email? We're available at:
Book a quick call
Want to learn how Lumo can support your business? Book a quick call with one of our specialists, no pressure, just honest advice.
Do you prefer email? We're available at:
Applying with Lumo Money is fast and fully online. You connect your business accounts securely, receive a tailored funding offer within minutes, and get funds sent directly to your account once approved, all with transparent terms and no hidden fees.
Our loans are available to UK-based limited companies, sole traders, and partnerships that have been actively trading for at least six months. We work with businesses across industries, from retail and construction to professional services.
Most customers receive an instant eligibility decision, and approved funds are typically transferred within 24–48 hours. Our technology streamlines the process so your business can access capital when it matters most.
We offer flexible repayment plans built around your business cash flow. You can view schedules, make adjustments, and track payments easily from your Lumo dashboard, always knowing exactly what’s due and when.
Checking your eligibility with Lumo Money uses a soft search that doesn’t impact your credit score. A hard credit check is only completed if you decide to proceed with an approved funding offer.
Applying with Lumo Money is fast and fully online. You connect your business accounts securely, receive a tailored funding offer within minutes, and get funds sent directly to your account once approved, all with transparent terms and no hidden fees.
Our loans are available to UK-based limited companies, sole traders, and partnerships that have been actively trading for at least six months. We work with businesses across industries, from retail and construction to professional services.
Most customers receive an instant eligibility decision, and approved funds are typically transferred within 24–48 hours. Our technology streamlines the process so your business can access capital when it matters most.
We offer flexible repayment plans built around your business cash flow. You can view schedules, make adjustments, and track payments easily from your Lumo dashboard, always knowing exactly what’s due and when.
Checking your eligibility with Lumo Money uses a soft search that doesn’t impact your credit score. A hard credit check is only completed if you decide to proceed with an approved funding offer.
Applying with Lumo Money is fast and fully online. You connect your business accounts securely, receive a tailored funding offer within minutes, and get funds sent directly to your account once approved, all with transparent terms and no hidden fees.
Our loans are available to UK-based limited companies, sole traders, and partnerships that have been actively trading for at least six months. We work with businesses across industries, from retail and construction to professional services.
Most customers receive an instant eligibility decision, and approved funds are typically transferred within 24–48 hours. Our technology streamlines the process so your business can access capital when it matters most.
We offer flexible repayment plans built around your business cash flow. You can view schedules, make adjustments, and track payments easily from your Lumo dashboard, always knowing exactly what’s due and when.
Checking your eligibility with Lumo Money uses a soft search that doesn’t impact your credit score. A hard credit check is only completed if you decide to proceed with an approved funding offer.