Solutions
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.
All You Need to Qualify
500+
FICO Score
3
Latest Bank Statements
$10K+
Monthly Sales
6+
Months in Business
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
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*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.