Here’s how we help keep your cashflow healthy
Business doesn’t wait for bank timelines. We connect you to capital that’s fast, flexible, and designed to suit how you actually operate.
Bank and non-bank options available
We’ll compare mainstream and alternative lenders — so you’re not limited by red tape, trading history, or security requirements.
Cashflow and working capital support
From covering payroll to ordering stock or bridging invoice gaps — we help you stay liquid when it matters most.
Short-term business loans and top-ups
Need funds for a specific project or to seize an opportunity? We arrange targeted, fast-turnaround lending that won’t slow you down.
Lending aligned to your cash cycle
We structure repayments around how and when you get paid — not a cookie-cutter monthly model that squeezes your cashflow.
FAQs about working capital & business loans
Do I need to provide property as security?
Not always. Some lenders offer unsecured options, especially for smaller loans or strong cashflow businesses. We’ll walk you through secured vs unsecured options based on your situation.
What’s the difference between working capital and a standard business loan?
Working capital lending is typically shorter term, and focused on maintaining cashflow (like covering invoices or purchasing stock). A standard loan is often for bigger, longer-term investments (e.g. new equipment, expansions). We’ll help decide what fits best.
How fast can I access funds?
In many cases, within 2–5 working days — sometimes faster. Non-bank lenders tend to offer faster decisions and flexible processes, especially if you can provide recent financials or bank statements.
Need capital to cover costs or fuel growth?
Book a free, no-obligation strategy call with a Luminate adviser. We’ll help you assess your cashflow, explore your funding options, and get a plan in place — fast.
We work with trusted bank and non-bank lenders
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Read, watch & listen to insights
First Home
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Development
Finance Guide
Bridging Finance
Made Simple
Self Employed
Borrowing Guide
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Memorandum
What our clients are saying
We needed funding within days to secure a development site. The banks said no—Luminate said yes. Funds landed within 48 hours and we didn’t miss the deal.
Mike T.
As a self-employed couple, we were getting knocked back left and right. Luminate understood our situation and structured a mortgage that worked. Game-changer.
Andrea & Tim D.
My bank gave me the runaround for months. Luminate had my loan approved in a week—even with a tricky credit history. Can’t thank them enough.
Lucy M.
Trent and Farea - you rocked it :). It was the easiest and the best first home mortgage advice/transaction we have ever had. Farea Khan went above and beyond.
Jashnil K.
We contacted them with the feeling was “give it a try, but no hope”. And now we are sitting on our couch in our living room in our new house and waiting for Christmas.
Marita H.
Total rock stars and know the financing game inside out - extreme professionalism, high level contacts, and a true understanding of the numbers.
Kesh M.
Our business & property lending solutions
Commercial property loans
Buy, refinance, or restructure commercial and industrial property. Whether it’s owner-occupied or investment — we’ll help you access sharp funding from banks or specialist lenders.
Development & construction finance
From duplexes to multi-unit projects — we arrange funding for site purchase, civil works, vertical construction, and more. Progress drawdowns, turnkey loans, and bank/non-bank options.
Project completion loans
Running out of runway? We help fund projects nearing the finish line — covering cost overruns, delays in CCC, or cashflow gaps before sale or refinance.
