About Us

About Us

Who We Are

At Lumi Financial Inc., we specialize in non-bank lending for Canadian businesses — offering custom financing options backed by real assets, not just credit scores or rigid approval checklists.

Whether you're scaling, acquiring, renovating, or simply need working capital, we help you unlock liquidity through asset-based solutions, including:

  • Invoice factoring

  • Equipment and construction financing

  • Real estate project loans

  • M&A and equity-based funding

Our Mission

To provide clients with trusted guidance and access to private borrowing solutions for their most important business growth goals.

What We Do

Our Values

Transparency

  • Open and clear communication.
  • Sharing information that helps others make informed decisions.

Authenticity

  • Being genuine and sincere in all interactions.
  • Aligning words and actions with true intentions.

Competence

  • Demonstrating expertise and ability in our field.
  • Continuously improving our skills, knowledge & practices.
  • Helping clients stay on track with their progress and outcomes.

Empathy

  • Treating everyone equitably and with respect.
  • Showing care and compassion in interactions.
  • Keeping in focus with the best outcome for the client.
Testimonials

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)