Our Loans

Lumifi offers six integrated financial services designed to address the full spectrum of capital needs for individuals and businesses. Loan tenors range from 30 days to 24 months, depending on product and client profile. Facility sizes are structured to client capacity following a full credit assessment.

Short Term Financing

Structured short-term loans for individuals and businesses with urgent capital needs.

Salary Backed Loans

Dedicated facility for salaried employees with confirmed monthly income.

We finance confirmed purchase orders to help businesses execute contracts without upfront capital.

Order Financing

• Tenors: 30 days to 12 months

• Fast processing decision within 48 hours

• Flexible repayment schedules

• Transparent, all-in pricing with no hidden fees

• Repayment aligned to salary cycle

• Competitive rates for verified employees

• Quick turnaround for qualifying applicants

• Available to government and private sector staff

• Enables delivery of large contracts

• Facility released against confirmed PO

• Supports business growth and capacity

• Suitable for contractors and suppliers

Invoice Financing

Early access to funds tied up in unpaid invoices improving cash flow without debt.

• Advance against verified invoices

• Reduces the impact of late payment

• Supports continuity of operations

• Available to SMEs with trade debtors

Investment & Capital Advisory

Strategic guidance on capital allocation, treasury management, and financial structuring.

• Capital allocation strategies

• Treasury bills and bond guidance

• Portfolio structuring

• Available to institutional and high-net-worth clients

Financial Advisory

Holistic financial advice to support sound business management and sustainable growth.

• Business structuring and planning

• Growth strategy development

• Financial management review

• Tailored to SME and entrepreneur needs