Capital that keeps up with you.
We built Lumen because small businesses deserve the same financial speed that large companies take for granted — without the bureaucracy, the waiting, or the fine print.
Why we built this.
Lumen started from a specific frustration. The founders had worked alongside dozens of small business owners who were turned away by banks for lines of credit they clearly qualified for. Or worse: approved but saddled with rates and terms designed for borrowers with no other options. The capital existed in the market. It just was not reaching the people who needed it most.
So we built a different kind of lender. One that uses modern cash-flow analysis instead of rigid credit-box rules. One that moves fast, because businesses cannot afford to wait three weeks for a decision. And one that prices fairly — interest only on the balance drawn, no phantom fees, and rates that reflect actual risk rather than a standardized tier.
Today Lumen serves businesses across retail, services, construction, and hospitality — from solo operators to 50-person teams. We want to be the capital partner that says yes when it makes sense, explains why when it does not, and never leaves you guessing.
Four things we refuse to compromise on.
Transparent pricing
Every rate and fee is shown upfront before you accept an offer. No asterisks, no surprises buried in a disclosure document three pages in. You know exactly what you are paying before you draw a single dollar.
Speed as a feature
Most applications take under five minutes. Decisions arrive in hours. Once approved, funds are seconds away. We built every part of the product around the idea that waiting costs businesses real money.
We win when you win
We are not a faceless institution trying to maximize yield from your business. Better repayment history earns better terms. We want your line to grow with you, not hold you to the rates you got on day one.
No surprises, ever
No prepayment penalties. No dormancy fees. No sudden limit reductions without notice. What we promise in the offer is what you get, for the life of your line.
Built for businesses that move.
We serve independent businesses across the United States. Retail shops, service firms, contractors, restaurants — companies with between $15,000 and several million in monthly revenue that need capital moving at the speed of their decisions.
If your business has been running for at least a year and you need a smarter, more flexible way to manage cash flow — covering a slow patch, capitalizing on an opportunity, or simply keeping operations smooth — Lumen was built for you.
Every draw is a vote of confidence in your business. We take that seriously.
Who signs off.
Joseph Snado, founder of the Selective Capital business-funding network, is the person who reviews your draw history and calls you back — with a straight answer, including no.
- Call
- (561) 915-1002
See what you qualify for.
Soft check only — no impact to your score. Takes less than five minutes.