At WeMoney, we’re proud to shine a spotlight on fintechs and lenders that are truly making a difference – not just through innovation, but through impact. This year, Lumi stood out across the board at the 2025 WeMoney Awards, taking home four major wins, including our top honour:
🏆 Small Business Lender of the Year
🏆 Best for Line of Credit (two years in a row)
🏆 Best for Value – Business Loans
🏆 Best for Flexibility – Line of Credit
These wins are a testament to Lumi’s ongoing commitment to providing Australian SMEs with fair, fast and flexible access to capital – especially those who have long been underserved by traditional finance.
Since launching in 2018, Lumi has stayed focused on one goal: making capital accessible to the businesses that need it most – without compromising their long-term health.
They’ve since funded over $1.5 billion across 15,000+ Australian SMEs, helping fuel the ambitions of business owners across industries, from hospitality and retail to construction and professional services.
It’s this deep alignment with the real needs of Australian business owners that earned Lumi the title of Small Business Lender of the Year in 2025.
Each year, we assess lenders based on customer value, product innovation, transparency, and overall market impact. Lumi excelled across every category.
Here’s why they earned top honours:
The result? A lending experience that’s as practical as it is empowering.
In short, Lumi is building products that work with businesses, not against them – and it shows.
One of Lumi’s most exciting developments is their recent move into embedded finance – a shift that we believe represents the future of SME lending.
With Lumi Embedded Finance, the lender is bringing funding directly into the tools businesses already use – from accounting and payroll systems to e-commerce platforms and payment software.
This approach transforms how businesses access capital:
“We’re embedding finance into the very tools SMEs use to run their businesses. This is the biggest opportunity since we launched Lumi.”
– Anna Hawter, Deputy CEO at Lumi
The potential here is enormous. The global embedded finance market was worth over US$83 billion in 2023 and is projected to surpass US$1 trillion by 2032. Lumi’s expansion into embedded lending is more than just a product innovation – it’s a sign of where the entire SME finance sector is headed.
WeMoney exists to help Australians – including business owners – make smarter financial decisions by recognising and connecting them with the best in the industry.
Lumi’s wins at the 2025 WeMoney Awards are well-deserved and highlight the incredible impact a mission-driven fintech can have when it puts SMEs first.
Congratulations to the Lumi team – we can’t wait to see what’s next.