Lumi takes the guesswork out of small business funding offer small business loans from $5k - $500k with 3 – 36 month terms. At Lumi, don’t believe in surprises (at least, not when it comes to finance). Instead, pride selves on offering straight-forward loans to give your venture the financial boost it needs. No guesswork, no hassles, no reading between the lines. Just totally transparent loans to help you get ahead.