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Fast, flexible capital for growing businesses.

Pre-qualify in minutes and compare options built around your cash flow. Get a decision in hours and funding as fast as 24 hours.

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See Funding Options

Up to $5M available across multiple programs

No collateral options or personal guarantees available for qualified businesses

Flexible payments that can adjust with sales (for revenue-based programs)

Simple online process with minimal paperwork

About Lumara

Lumara Capital was created to make business funding simple and fast. We know most owners do not have time for long bank processes or confusing paperwork. Our goal is to give you clear options, quick answers, and real support so you can focus on running your business.

We work with a network of funding partners to match you with the right solution based on your revenue and goals. Whether you need working capital, a line of credit, or equipment financing, we keep the process straightforward and easy to understand. Funding should help you grow, not slow you down.

$280M

funded

30,000

businesses helped

4hrs

average time to decision

Funding built for real-world cash flow.

Fast decisions

Our simple application is followed by a quick review and a decision within hours.

Options that fit

Compare term loans, lines of credit, working capital, equipment financing, and more.

Flexible repayment

Choose payment structures designed around how your business earns.

All You Need to Qualify

Getting started with Lumara Capital is simple. Most businesses qualify if they meet these basic requirements:

6+ Months in Business

Your business should be operating for at least six months.

500+ Credit Score

We work with a wide range of credit profiles, starting at 500 and above.

$20,000+ in Monthly Revenue

Consistent monthly revenue of at least $20k helps unlock more funding options.

4 Most Recent Business Bank Statements

We only need your four most recent business bank statements to review eligibility.

That’s it. No long applications. No endless paperwork. Just a quick review to see what you qualify for.

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Speak With a Specialist

How It Works

Get funded in 3 simple steps.

Step 1: Pre-qualify online

in minutes.

Step 2: Review your options

with a funding specialist.

Step 3: Get funded

as fast as 24 hours, depending on product and approval.

Start Pre-Qualification

Choose the right capital for your next move.

Whether you are smoothing cash flow, buying equipment, restocking inventory, or expanding locations, Lumara Capital helps you find the right fit.

See My Options

Working Capital

Cover payroll, rent, vendors, and day-to-day operations.

Line of Credit

Flexible access to funds when you need them.

Term Loans

Lump-sum funding with structured repayment terms.

Revenue-Based Financing

Payments that can adjust with sales volume.

Equipment Financing

Finance essential equipment and upgrades.

SBA Programs

Longer-term options for qualified businesses.

What businesses use funding for.

Inventory and seasonal purchases

Hiring and payroll

Marketing and customer acquisition

Equipment and vehicle purchases

Renovations and expansion

Built for many industries.

From single-location operators to multi-location businesses.

Construction

Healthcare

Restaurants

E-commerce

Retail

Home Services

Professional Services

Logistics

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Business owners choose Lumara for speed and clarity.

Restaurant Owner

Maria H.

“I own a restaurant, and cash flow can get tight before busy seasons. Lumara Capital helped us get funding quickly so we could stock up and cover payroll without stress. The process was simple, and they explained everything clearly. It honestly felt a lot easier than dealing with a bank.”

Construction Contractor

Jason T.

“Construction is unpredictable. Some months are great, some are tight. Lumara set us up with a line of credit that actually fits how we get paid. No complicated process, no back and forth for weeks. Now we can take on bigger jobs without worrying about cash flow.”

E-commerce Business Owner

Priya S.

“We run an e-commerce brand, and inventory timing is everything. Lumara helped us secure working capital fast before a big sales push. The approval was quick, and their team stayed responsive the whole time. It gave us the confidence to scale without overthinking it.”

Frequently Asked Questions

Still have a question?

Our team is ready to assist you with anything you need.

Make A Call
1. How fast can I get approved?

Many businesses receive a decision within a few hours after submitting a short application and basic documents.

Depending on the program and approval, funding can happen in as little as 24 to 48 hours.

Typically, a short online application plus recent bank statements and basic business details. Requirements vary by funding type.

We help businesses access working capital, lines of credit, term loans, revenue-based financing, equipment financing, and SBA options.

Not necessarily. We work with a range of credit profiles and focus heavily on overall business performance and revenue.

Funding amounts vary by program and business profile, but options may range from smaller short-term capital up to several million dollars.

Some programs do not require collateral. Others, like equipment financing or certain SBA loans, may have asset requirements.

Initial pre-qualification typically does not require a hard credit inquiry. A hard pull may be required later depending on the program.

Payment terms depend on the product. Options may include daily, weekly, or monthly payments, and some programs align payments with revenue flow.

Most businesses use funding for inventory, payroll, hiring, marketing, equipment purchases, expansion, renovations, or managing cash flow gaps.

Let’s Talk About Your Funding Options

Whether you are ready to apply or just want to explore what is available, our team is here to help. No pressure. Just clear answers and real options.

For general inquiries: info@lumaracapital.com