welcome
Who We Are
At Lumen Point Capital, we believe in empowering small businesses with fast, flexible, and transparent funding solutions. Whether you’re growing, rebuilding, or just getting started, we’re here to help you seize every opportunity without the red tape of traditional banking.
Our team brings years of experience in alternative lending, with a deep understanding of the challenges entrepreneurs face every day. That’s why we’ve simplified the process—no endless paperwork, no waiting weeks for approvals. Just straightforward funding when you need it most.
We’re more than just a capital provider—we’re your partner in progress. From your first advance to your next big expansion, we’re committed to helping you reach the next point of growth with clarity, speed, and support.
Where Speed Meets Trust
We don’t just fund businesses—we fuel dreams with integrity and hustle.
At Lumen Point Capital, we move fast and we move with purpose. Every dollar we lend is backed by real relationships, real results, and a relentless drive to see small businesses win. When others say “maybe,” we’re already saying “let’s go.”
who we are
Servicing over 30,000 clients just like you
FAST FUNDING
SALES-BASED
FLEXIBLE APPROVAL
A Merchant Cash Advance provides you with a lump sum of funds in exchange for a percentage of your future sales, letting you get the capital you need fast—often within 24 to 48 hours.
Frequently Asked Questions
FAQ
What is LumenPoint Capital?
LumenPoint Capital is a high-performance business funding partner based in Scottsdale, AZ. We specialize in securing fast, flexible working capital for small and mid-sized businesses — often in as little as 24 hours. Whether you’re expanding, consolidating, or navigating a cash flow crunch, we’re here to move with you.
Are you a direct lender?
We operate as an ISO — but not your average one. Our leadership team comes from private equity and fintech, and we work closely with a handpicked network of funders to get our merchants stronger approvals, better terms, and faster turnarounds than they’re used to.
Do I need perfect credit to get funded?
Not at all. While credit is a factor, it’s not the deciding one. We focus more on your cash flow, deposit consistency, and time in business.
What types of businesses do you work with?
We serve a wide range of industries — retail, restaurants, construction, e-commerce, beauty, auto services, healthcare, and more. If you’ve got consistent deposits and a real business, we’re here to help.
FREQUENTLY ASKED FUNDING QUESTIONS
FAFQ
How much can I qualify for?
How quickly can I get funded?
What repayment options are available?
Will this affect my credit?
Can I apply if I already have a cash advance or loan?
We have the ability to secure funding amounts between $30,000 and $1,000,000, depending on your monthly revenue, time in business, and existing positions. Our team works directly with multiple trusted funders to get you the highest possible approval — fast.
Are you ready?
Getting Started
What documents do I need to apply?
• 3–6 months of business bank statements
• Government-issued photo ID
• Voided check
• Signed application (we’ll send it digitally)
Do I need collateral?
No, our funding solutions are unsecured — no physical assets required.
Do I need to visit your office?
Not at all — the entire process is handled online or over the phone. That said, if you’re local to Scottsdale, we’d love to meet you.
How do I get started?
Head over to our Submission Page or click Apply Now anywhere on our site. You can also call us directly at (480) 405-0642 if you’d prefer to speak with a funding advisor.
Still have questions?
We’re real people — no call centers, no bots.
Email us at funding@lumenpointcapital.com or call (480) 405-0642 anytime.
Let’s build something strong.