We help business owners, contractors, and investors access capital for commercial property, growth, and cashflow, without forcing their finances into rigid boxes.
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Luminate is the finance partner for people whose money doesn’t fit neatly into boxes.
If you run a business, invest in property, or earn income outside a simple PAYE salary, traditional lending can feel fragmented and slow. We exist to bring those moving parts together and structure lending that actually reflects how your income works.
We take a holistic view across business, property, and personal finances, then match the right solution across banks and specialist lenders, now and into the future.
Funding to buy, refinance or restructure commercial and industrial property for investment or owner-occupied use. We evaluate yield, cashflow and serviceability, and structure lending to appeal to banks or specialist lenders.
Flexible working capital finance that improves cashflow, frees up stock and payroll funding, and supports growth at speed. We tailor terms to your business cash cycle, comparing bank and non-bank options for speed and flexibility.
Capital for land purchase, earthworks, building and staged drawdowns for multi-unit or civil projects. Designed for property developers and builders who need structured and progressive funding.
Short-term finance for cashflow shortfalls, cost overruns, delays in CCC or bridging to sale or refinance. Ideal for keeping development projects on track.
At Luminate, we arrange property-secured tax loans to help business owners manage IRD liabilities with a clear, short-term repayment strategy.
