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Boston, MA · Since 2009About Lume Loans
We're the Boston-area funding partner small businesses call when they need real answers, fast. For 15+ years we've matched local owners with the right lender, the right structure, and the right capital to grow on their own terms.
Built in Boston, for Boston businesses.
Lume Loans started with a simple frustration: Boston-area owners with strong businesses kept getting told "no" by banks that didn't understand their cash flow, their industry, or their growth story.
So we built a different model, one application, shopped across 75+ specialty lenders, with a real human owning the file from intake to close. Today we serve restaurants in the North End, biotech startups in Kendall Square, contractors on the South Shore, and family businesses across Greater Boston.
What hasn't changed: every client gets a dedicated funding advisor, transparent terms, and a path to capital that actually works for their business.
Make business financing simple, fast, and human, so Boston owners can spend less time chasing capital and more time building.
Capital structured to fuel expansion, not strangle cash flow.
One application, multiple offers, one advisor through the process.
75+ funding partners, we know which one says yes to your file.
Why Boston businesses choose Lume Loans
We shop one application across SBA banks, fintech lenders, and specialty funders to find your best fit.
Most files get a soft-pull review the same business day, funding in as little as 24 hours.
Real Boston-area funding advisors who answer the phone and stay with you through closing.
From $5K micro-financing to $5M SBA acquisitions, structured around your cash flow.
Programs we help Boston businesses access
Area we fund in Boston
"They funded our expansion in 11 days."
When North End Logistics needed $1.2M to expand their fleet, three banks said "come back next quarter." Lume Loans structured an SBA + equipment line combo and closed in under two weeks. Today they run 28 trucks across the Northeast corridor.
- Dedicated funding advisor from intake to close
- Soft credit pull, no impact on score
- Transparent pricing, no surprise fees
Dedicated funding advisor from intake to closeReady to talk to a real Boston funding advisor?
No obligation. No hard credit pull. Just a 10-minute call to map your best funding options.
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