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
.webp){kind=logo}
.webp){kind=logo}
.png){kind=logo}
.webp){kind=logo}
Testimonials
Mortgage Broking & Finance Clients
From our very first interaction, it was clear that Trent was genuinely invested in our success at Gratpak. As a result of his support, we were able to secure the funding necessary to invest in new technologies and streamline our production processes. I wholeheartedly recommend Trent Bradley to any business seeking a knowledgeable and dedicated financial partner. His expertise and support have been invaluable to us, and I am confident he can help others achieve their financial goals as well!
Sandeep Puri
GratPak Ltd
We knew about Luminate last November from our friend. We contacted them with the feeling “give it a try, but no hope” because we tried so many times before. And now…we are sitting on our couch in our living room in our house waiting for Christmas…The biggest Christmas gift ever in our life.. Just like a dream come true guys!
Luminate Financial Group has the best service which is out of your expectation. They are reliable, fast and super easy.
Marita Huynh
I've had the pleasure of working with Trent Bradley from Luminate, and I can confidently attest that he's a game-changer. With decades of experience under his belt, he navigates even the most challenging times with ease, providing unparalleled guidance and support.
If you're looking for a finance expert who will make your financial goals a reality, look no further than Trent Bradley. Highly recommended!
Garry Singh
Ray White NZ
Investors
Something that is troubling when you have funds to invest is trusting a Company to ‘keep it simple’ and deliver a fair ROI …..and who do the job of increasing the capital value, report monthly in a format I can read and understand and be there if I have questions. Luminate has delivered for me over the past 5 years on an investment of a couple of million. It’s a joy, its simple and effortless on my part, which speaks volumes about the quality of the team.
SR
We have known Trent Bradley for 28 years through a mixture of seeking his advice on borrowing, financing or lending funds for various activities we have engaged in.
With Luminate managing our money we have over the past 28 years had complete peace of mind. We are very pleased to share our experiences with Trent as he is a bedrock to our financial progress.
Michael and Gwyn Gray
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.
