Fast Capital When Your Business Needs It Most.
We approve more businesses, fund faster, and structure offers that keep your cash flow steady.
Applying will not impact your personal credit score*
Process
Our Simple Path To Funding You
Application
Complete and submit your quick 5-minute application along with the required documents.
Complete and submit your quick 5-minute application along with the required documents.
We Review
A lender on our team will review your application and give you a range of offers. We provide fast approvals, usually within 12 hours.
You Get Funded
Funds are sent straight to your account after approval so you can move forward without delay.
All You Need to Qualify
500+
FICO Score
3
Latest Bank Statements
$10K+
Monthly Sales
6+
Months in Business
Our Loans Are Perfect For:
Business Expansions
New Equipment
Inventory & Supplies
Paying off Debts
Partner Buyouts
Opening New Location
Unexpected Expenses
MARKETING CAMPAIGNS
Improvements
Our Focus
What Sets Us Apart?
Getting funding should be simple. We focus on fast approvals, clear communication, and lending options that actually fit your business.
Our team works with you from start to finish to make sure you get the capital you need without the usual delays or confusing requirements.
⇨ Tailored Options: Funding options built around your business needs.
⇨ Fast Processing: Quick approvals and easy application.
⇨ Clear Terms: No hidden fees or fine print.
⇨ Expert Guidance: Support from experienced professionals.
Our Services
We Serve What You're Looking For
Small Business Loans
Straightforward funding to help manage cash flow, handle expenses, or support day to day operations. A simple way to get the capital your business needs.
Merchant Cash Advances
Fast access to working capital based on your revenue. Ideal for quick financing without the long wait times or strict requirements of traditional lending.
Lines of Credit
Flexible capital you can draw from whenever your business needs it. Perfect for covering short term expenses or taking advantage of new opportunities.
Equipment Financing
Affordable financing to upgrade or replace essential equipment without a heavy upfront cost. Keep operations moving while preserving your cash flow.
10,000+
Businesses Funded
$25M+
Delivered to Businesses
12 Hr.
Quick Funding Time
Reviews
See Why People Trust Us
"Lumera Capital approved me the same day."
"Lumera Capital approved me the same day. We hit a slow season last winter, and we needed $65,000 to restock inventory before the holidays. My bank dragged the process out for three weeks and ultimately denied me over “insufficient credit history.” So we went to Lumera and they actually looked at my revenue and business, not just my credit score. The funding from them hit my account in under 24 hours. The repayment terms were very clear and didn’t hurt my cash flow. If they didn’t step in that fast, I would’ve missed the entire holiday buying season. Thank you guys, fully recommend to everyone." - Retail Store Owner
"I highly recommend Lumera."
"I own a restaurant and needed $40,000 to renovate the kitchen and replace two ovens that broke down at once. My bank denied me because of a dip in revenue last year. Lumera Capital reviewed my statements, explained every step in plain English, and approved me within hours. The funds from them came in the next morning. Their team was responsive, texted me updates, and even helped me plan out repayment based on projected weekend volume. The experience was straightforward and shockingly fast. That upgrade kept us open when we were about to shut down for a week. I highly recommend Lumera to anyone that needs capital quick" - Mike
"They approved me for the full $110,000 quickly and easily."
"I needed about $110,000 to place a big inventory order because our supplier was offering a discount for buying in bulk. My bank delayed me for weeks and then declined me because of one slow quarter last year. Lumera Capital looked at my sales history, asked for a few documents, and gave me an approval the same day. The money hit my account two days after that. The whole thing was smooth and way easier than anything I have dealt with before. They approved me for the full $110,000 quickly and easily. This funding made a huge difference for our business. 5 stars highly recommend their services." - Gabe
Apply
Request Funding From Our Team Today
FAQ's
Frequently Asked Questions
What types of businesses do you work with?
We fund a wide range of small and midsize businesses, including retail stores, restaurants, service providers, contractors, transportation, online businesses, and more. If your business generates consistent revenue, you can likely qualify.
Will applying affect my credit score?
No. Submitting an application does not impact your personal credit score. We typically perform a soft inquiry only once you move forward.
Do you work with low credit scores?
Yes. We focus on your business revenue, not your personal credit history. Many of our clients were previously denied by banks before coming to us.
What can I use the funding for?
You can use the money for nearly any business purpose, including:
- Inventory
- Equipment
- Payroll
- Marketing
- Repairs
- Expansion
- Cash flow gaps
We do not restrict how you use your capital.
How does a merchant cash advance work?
A merchant cash advance provides capital based on your business’s revenue. Instead of fixed monthly payments, your repayment adjusts with your daily or weekly sales, helping you maintain steady cash flow.
What is the difference between a small business loan and a cash advance?
A loan includes fixed payments and interest.
A cash advance adjusts with your revenue and typically requires less documentation.
We help you choose the option that fits your cash flow.
How much funding can I receive?
Amounts typically range from $5,000 to $500,000+, depending on your revenue and business performance.
Do you charge any hidden fees?
No. All terms are clearly explained before you accept an offer. There are no hidden fees, surprise charges, or confusing fine print.
Why was my bank application denied, but I was approved here?
Banks rely heavily on credit scores, collateral, and lengthy underwriting. We evaluate your actual business activity and revenue, which lets us approve many more businesses.
Do I need collateral?
No. Most of our funding options do not require collateral.
Can I get more funding later?
Yes. Many clients receive additional funding once they’ve repaid a portion of their advance or loan. We can review options anytime your business grows or needs more capital.
What happens after I apply?
A funding specialist will review your application, reach out with any questions, and help you choose the option that best fits your business. Once approved, funds are sent directly to your account.
© 2025 Lumera Capital Group - All Rights Reserved.
*Rates, terms, & payment structure may vary by state and lender. Rates shown reflect an average fixed monthly percentage. A hard pull may be performed based on the product and lender, applicant will be notified if a hard pull is required for approval. Decision and funding time are subject to applicant’s submission of all requested approval and closing documents. Minimum qualifications listed are not reflective of all programs, rates and terms may vary based on applicants qualifications. By supplying us with your information, you authorize Lumera Capital Group and prospective third-party funding providers to contact you at the numbers you provide (including mobile) during any step of this application, via phone (including automated telephone dialing systems, prerecorded, SMS and MMS means) even if you are on a Do Not Call Registry. You are not required to agree to be contacted in this manner to apply with Lumera Capital Group.