Quick working capital loans

Release cash from your property’s equity to supplement your cash flow needs

Fast, flexible working
capital for your business

No matter the industry, most businesses face cash flow gaps at some point. Waiting for invoices to be paid can stretch your finances thin. That’s why we offer fast, flexible working capital solutions for your business needs.

Our team has decades of experience crafting innovative funding packages through alternative lending sources. We understand the day-to-day realities of managing business cash flow. When you need a quick capital infusion to cover payroll, replenish inventory, take advantage of discounts or pursue new opportunities, we can help.

With our network of lenders, we can improve your chances of getting the working capital you need, when you need it.

Why choose Luminate?

For over 20 years, Luminate has been solving clients’ financial problems and getting them moving forward.
No two applications are the same – we will tailor a solution to your unique situation.

Customised loan options

We work closely with you to design customised loan packages that suit your financial needs, offering competitive interest rates and flexible repayment terms.

Experienced loan advisors

Our team of experienced loan advisers understands the variability that comes with running a business and provides tailored advice for your situation.

Wide range of lenders

We have access to a vast network of lenders specialising in working capital funding. As a result, you get more loan options to choose from and increase your chances of getting approved.

Smooth cash flow by accessing your working capital

Get financing against unpaid invoices so you can smooth out income fluctuations. Let your unpaid accounts provide working capital to weather income volatility.

  • Receive immediate working capital instead of waiting on clients.

  • Maintain operations through seasonal dips in revenue.

  • Avoid racking up high-interest debts such as on credit cards.

Get the funding you need in 4 simple steps

Contact us

Get in touch with our team of experts by phone, email, or filling out our online form. We’ll ask you some questions to understand your unique situation and loan needs.

Application and assessment

Provide the necessary documents so we can assess your eligibility. We’ll look at your income, expenses, credit history, and, if applicable, your property details.

Approval and terms

If approved, we’ll present you with loan terms including the interest rate, fees, loan amount and repayment structure. Ask us questions and make sure you understand the offer.

Settlement

Once you accept the offer, we’ll take care of the legal paperwork and administration. After you execute the documents, any outstanding conditions and the settlement of your loan will take place, moving you forward.

Smoothly operate through cash flow ups and downs

Take the next step and let our expert team guide you through every part of the process—from finding out how much you can borrow to choosing the right loan features.

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