Our Services

At Lumos Real Estate Investments, we provide direct lending solutions tailored to the unique needs of real estate professionals and business owners. Our experience and capital enable us to fund deals that traditional banks often cannot accommodate.

Commercial Property Financing

Competitive rates and flexible terms for commercial real estate acquisition, refinancing, and development.

Whether you're acquiring an office building, retail center, industrial property, or multi-family asset, we provide the capital and expertise to help you succeed. Our commercial property financing solutions are designed for experienced investors and developers who need speed and flexibility.

Key Features:

  • Loan amounts from $500,000 to $10+ million
  • Up to 75% loan-to-value on stabilized properties
  • Terms from 1 to 5 years with flexible amortization
  • Fast approval and closing (typically 14-30 days)
  • Non-recourse options available for qualified borrowers

Ideal For: Acquisition, refinancing, cash-out refinancing, property repositioning, and value-add projects.

Revenue-Based Financing

Growth capital aligned with your business performance, providing working capital without traditional collateral requirements.

Revenue-based financing is an innovative alternative to traditional business loans, offering capital that scales with your revenue. Instead of fixed monthly payments, you repay a percentage of your monthly revenue, providing flexibility during slower periods while enabling rapid repayment during growth.

Key Features:

  • Funding amounts from $50,000 to $2 million
  • Repayment as a percentage of revenue (typically 5-15%)
  • No fixed monthly payments—scales with your business
  • Minimal collateral requirements
  • Approval based on revenue trends, not credit score

Ideal For: Seasonal businesses, rapid expansion, inventory purchases, marketing campaigns, and businesses with strong revenue but limited assets.

Bridge Financing

Short-term funding solutions to bridge gaps between transactions and enable you to seize time-sensitive opportunities.

Bridge loans provide fast, temporary financing to help you move quickly on opportunities while you arrange permanent financing, complete renovations, or wait for another property to sell. Our bridge financing is designed for speed and simplicity.

Key Features:

  • Loan amounts from $250,000 to $5 million
  • Terms from 6 to 24 months
  • Interest-only payments
  • Approval in as little as 48 hours
  • Funding within 7-14 days

Ideal For: Property acquisition before selling an existing asset, auction purchases, estate sales, and time-sensitive opportunities requiring immediate capital.

Equipment Financing

Preserve working capital while acquiring the equipment and technology your business needs to operate and grow.

Equipment financing enables you to purchase or lease essential business equipment without depleting your cash reserves. The equipment itself serves as collateral, making approval straightforward for businesses with steady revenue.

Key Features:

  • Financing for new or used equipment
  • Up to 100% financing available
  • Terms from 2 to 7 years
  • Fixed monthly payments for budgeting certainty
  • Tax benefits through Section 179 deductions

Ideal For: Construction equipment, vehicles, manufacturing machinery, medical equipment, restaurant equipment, and technology systems.

Fix & Flip Loans

Fast approval and funding for residential investment properties, supporting experienced real estate investors.

Our fix-and-flip loans are designed for investors who purchase distressed residential properties, renovate them, and sell for profit. We fund both the acquisition and renovation costs, with terms aligned to the typical 6-12 month project timeline.

Key Features:

  • Up to 90% of purchase price + 100% of renovation costs
  • Terms from 6 to 18 months
  • Interest-only payments during renovation
  • Approval based on property value and experience
  • Draw schedule for renovation funding

Ideal For: Single-family homes, townhomes, small multi-family properties (2-4 units), and experienced investors with proven track records.

Working Capital Loans

Flexible funding for daily operations, inventory, payroll, and seasonal business needs with straightforward terms.

Working capital loans provide the cash flow your business needs to manage day-to-day operations, take advantage of bulk purchasing discounts, cover seasonal fluctuations, or bridge timing gaps between receivables and payables.

Key Features:

  • Loan amounts from $25,000 to $1 million
  • Flexible repayment terms from 6 to 36 months
  • Quick approval based on business performance
  • Unsecured options up to $250,000
  • Funds available within 3-7 business days

Ideal For: Inventory purchases, payroll funding, marketing campaigns, seasonal business needs, and unexpected expenses.

Ready to Get Started?

Let's discuss your financing needs and determine the best solution for your business or investment project.

Contact Us Today