Your next chapter starts with the right capital.
$5K to $500K. Funded in hours, not weeks. No hidden fees.
🔒 No credit impact. Takes 60 seconds.
Est. weekly
$400–$850
Term
3–6mo
Funded in
Same day
Trusted by Florida businesses
Trustpilot
A+
BBB Accredited
$
Total funded
Businesses served
Average funding time: 4 hours
How it works
From application to funded in hours.
Step 1 of 3
Tell us about your business
A 60-second form. No credit pull, no commitment. Just the basics about your business.
Tell us about your business
Tell us about your business
A 60-second form. No credit pull, no commitment. Just the basics about your business.
Get matched with options
Get matched with options
Our team reviews your profile and matches you with the best funding options from our network.
Get funded — today
Get funded — today
Choose your offer, e-sign the agreement, and receive funds as soon as the same day.
Products
Capital for every stage.
See what you qualify for
Enter your numbers. Get real answers.
Quick scenarios
Time in Business
Credit Score Range
No credit impact. Takes 60 seconds.
Why Luma is different.
Transparent
We show you what you'll pay before you commit. No hidden fees, no surprises.
Fast
Apply in 60 seconds. Decision in minutes. Funded same day.
Holistic
Capital is just the start. Access CPA, tax, and business advisory through our partners.
Partnership
More than capital.
In partnership with Maxwell Advisory, we offer a complete business growth ecosystem.
Testimonials
Real results from real businesses.
Luma funded my restaurant expansion in 24 hours. The process was so simple I couldn't believe it. My advisor walked me through every step.
Maria Gonzalez
La Cocina Cubana, Miami
“Got my construction crew new equipment funded in two days. The weekly payments fit my cash flow perfectly.”
James Mitchell · Mitchell Construction, Tampa
“As a salon owner, I never thought I'd qualify. Luma made it easy and I had the money for my second location within a week.”
Destiny Williams · Glow Studio, Orlando
“Luma funded my restaurant expansion in 24 hours. The process was so simple I couldn't believe it. My advisor walked me through every step.”
“Got my construction crew new equipment funded in two days. The weekly payments fit my cash flow perfectly.”
“As a salon owner, I never thought I'd qualify. Luma made it easy and I had the money for my second location within a week.”
Resources
Learn before you borrow.
How Maria Funded Her Restaurant Expansion
From application to funded in 24 hours — here's how one Miami restaurant owner did it.
GuideWorking Capital: The Lifeline Your Business Needs
Why maintaining healthy cash flow is the #1 factor in small business survival.
Explore all articles →Success Story
How Maria Funded Her Restaurant Expansion
From application to funded in 24 hours — here's how one Miami restaurant owner did it.
Read →Guide
Working Capital: The Lifeline Your Business Needs
Why maintaining healthy cash flow is the #1 factor in small business survival.
Read →Education
5 Things to Know Before Taking a Cash Advance
Understand the basics so you can make the smartest decision for your business.
Read →Your next chapter
The right capital changes everything.
Check your eligibility in 60 seconds. No credit impact.
Join 2,500+ Florida businesses funded by Luma.