Welcome to Lumi Financial Inc.

Fast. Flexible. Funded.

At Lumi Financial Inc., we’re helping Canadian businesses access the capital they need to grow — with real lending solutions and fast funding.

Serving all of Canada
No red tape. No bank delays. Just real funding.

No red tape. No bank delays. Just real funding.

Why Borrow with Lumi Financial Inc.

Fast Funding – Get pre-qualified in 48 hours
Flexible Loan Terms – Tailored to your business model
Private Lending Specialists – We fund what banks won’t
Asset-Based – Real assets or receivables used as collateral

We Specialize In the Following

Lending Services

Business Expansion Loans

Whether you're opening a new location or scaling production, we help fund the next phase of your business growth.

Real Estate Project Financing

Have a commercial or residential build in mind? Lumi supports project-based financing with tailored lending structures.

Cash Flow Financing

Bridge short-term gaps with fast, asset-backed financing designed to help you manage operations with confidence.

Equipment Financing

Get the tools and machinery your business needs with fast approvals and flexible terms.

Mergers & Acquisitions Financing

We help structure private lending deals for business acquisitions, mergers, and buyouts.

About Us

Who We Are

At Lumi Financial Inc., we specialize in bridging the gap between business owners and lending opportunities. Our extensive network of private lenders and consulting expertise empower our clients to make informed lending decisions to help their business grow.

How It Works

Our Consulting Process

01.

Initial Consultation

Apply Online or Speak to a Lending Specialist

02.

Assessment

We'll Review Your Business and Available Assets

03.

Review Lending Offer

Our lending specialist reviews the offer with you.

04.

Closing Process & Funding

We guide you through the closing & funding process quickly — Often in Days

05.

Ongoing Support

We continue to assist you if your lending needs change or if additional lending is required in future.

Success Stories

What Our Clients Say?

“Working with Lumi Financial was a game-changer for us. We needed capital to take on several new commercial contracts, but traditional banks just weren’t moving fast enough. Lumi stepped in with a tailored expansion loan secured by a second mortgage, and we had the funds within days. Because of them, we doubled our staff and grew our monthly revenue by 30% in just six months. They truly understand the needs of growing businesses.

Jordan P. (Commercial Cleaning, ONTARIO)

"Lumi Financial made it possible for us to upgrade our diagnostic imaging equipment without draining our capital. Their team was knowledgeable and efficient, and gave us loan flexibility. I’d highly recommend Lumi to any medical professional looking to invest in their practice.”

Dr. Chen (Diagnostic Imaging - ONTARIO)

“Our mid-sized residential build in Kitchener was facing delays due to bank financing, but Lumi saved our timeline. Their real estate lending team assessed our plans quickly and structured a financing package that allowed us to keep moving forward without compromise. Thanks to Lumi, our investors were thrilled.”

Patrick H. (Real Estate Developer - ONTARIO)

Get the funding you need

Apply for Business Financing

Fill out the form below to start your loan application. Whether you're expanding, upgrading equipment, or managing cash flow, our lending specialists are here to help. Please allow 24 hours for processing.