Our story
Capital that illuminates
your path forward.
Luma means light. We built this company to bring clarity to a world of confusing terms, hidden fees, and cold rejections. Small business owners deserve to know exactly what they're getting — and exactly what it costs.
Why we exist
The lending world was broken. We fixed our corner of it.
Most small business owners get turned down by banks and left to figure it out alone. The ones who find funding often can't decipher the terms — buried factor rates, stacking fees, and fine print written by lawyers.
Luma is different. We show you exactly what you'll pay. We connect you with a real advisor, not a chatbot. We move as fast as your business needs — and we treat you like a partner, not a transaction.
That's the company we wanted to work with. So we built it.
— Mike Kuritnik, Founder
What we stand for
Four values. Every decision.
Transparency
No hidden fees. No surprise rates. We tell you what you'll pay before you sign anything.
Speed
Your business can't wait. We make decisions in hours and fund the same day in most cases.
Partnership
We're not a portal — we're a team. Every client gets a dedicated advisor who knows your business.
Community
Florida is home. We understand the Sunshine State's industries, culture, and pace of business.
Florida first
Born in Florida, built for Florida businesses.
We understand the unique challenges of operating in the Sunshine State — from hurricane season cash crunches to the competitive hospitality market, to the booming construction industry in South Florida.
Our advisors speak your language — literally. Bilingual English/Spanish support is built into everything we do.
Miami
Tampa
Orlando
Jacksonville
Fort Lauderdale
The team
Real people. Real advisors.
Not a faceless portal — a team that picks up the phone.
Mike Kuritnik
Founder & CEO
Former real estate investor and capital markets operator. Founded Luma to bring the funding solutions he couldn't find as a business owner.
Your Advisor
Joining Soon
We're growing. Our next advisor position is open. If you know lending, know Florida, and care about clients — reach out.
Your Advisor
Joining Soon
We're growing. Our next advisor position is open. If you know lending, know Florida, and care about clients — reach out.
Our partners
More than funding — a full advisory ecosystem.
Through our partnership with Maxwell Advisory, Luma clients have access to certified CPAs, tax strategists, and business brokers. Whether you need to optimize your taxes after a big funding round or plan an exit, Maxwell is one call away.
maxwelltaxadvisory.com · maxwellba.com
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