Services

Service Areas

Industries We Work With

Construction & Trades

Real Estate Development

Manufacturing & Distribution

Professional Services

Startups & Franchises

Healthcare & Wellness Practices

Transportation & Logistics

Our Featured Services

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. Need new equipment? We lend money to all industries.

Mergers and Acquisitions Financing

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

Factoring (Receivables Financing)

Waiting on clients to pay? Convert outstanding invoices into working capital — no more 30-90 day waits.

Construction

Financing We offer funding for builders, developers, and contractors managing new construction or major renovations.

Equity Loans

Turn equity into working capital — whether held in property, assets, or shares.

How It Works

Our Lending Process

01.

Initial Consultation

Apply online or speak with a lending specialist.

02.

Assessment

We analyze your business and determine the feasibility of lending.

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)