Your trusted partner for business growth
At Lumos Business Finance, we want your business to grow to its full potential. That’s why we stand by your side to meet your business finance needs. We take pride in understanding your unique requirements as a business and will go above and beyond to be there for you when you need us.
Working with businesses throughout the UK
The financial services we provide offer you the flexibility you won’t find from traditional banks. And best of all, working with Lumos is like having your very own partner for growth; by developing longstanding relationships with our customers the success of our business relies on the success of yours.
Services
We have a range of funding options, including:
Hire Purchase
Finance Lease
Sale & HP / Sale & Lease Back
Refinance
Lumos Business Finance is your partner for growth. Using our panel of mainstream and independent lenders, we secure the assets your business needs and fund them in a way that works best for you.
We are particularly experienced in working with wheeled assets for vehicle rental, taxi/minibus and haulage companies, but can support you with other business finance needs such as machinery relating to your industry.
Our Process
Start the Conversation
Contact our team to discuss your finance needs so we can understand your requirements and timescales.
Choose Your Asset
Select the vehicle or equipment you want from any trusted supplier; we can also support private sale purchases.
Tailored Finance
We arrange a personalised finance facility, manage the lender proposal, and keep you updated throughout the process.
Sign and Collect
Once approved, we organise document signing, complete checks, and release funds to your supplier.
Ongoing Support
We’re available after completion for settlement figures, future finance needs, and any questions your business may have.
Testimonials
We have been working alongside Dave Innes for over ten years. Dave has provided Practical Car & Van Rental (Rotherham) with many financial products from when I first started in business, enabling our company to purchase new fuel-efficient vehicles to accelerate the company’s growth
Practical Car & Van Rental
Rotherham
Having been introduced to Dave Innes as a supplier of finance it soon became apparent he was the best person for the job when supplying finance to our commercial customers. His knowledge of the financial world, the products and the availability is second to none. Dave has never failed to get a deal past the post for us. While always providing a hassle, stress free transaction.
Martin
M&K Motors Ltd
We have worked with David Innes for 6 years and would highly recommend him and his team, their customer service is second to none. We have never in all the years we have been dealing with him had an issue, the whole process is hassle free. David is always available to answer, very responsive, and very prompt throughout the whole process. David is very professional, polite and we feel very secure in his knowledge and getting us the best rates. Everything is explained in detail, and nothing is hidden or a surprise down the line.
Ami
Practical Car & Van Rental - Brentwood
Just a quick email to express my experiences with yourselves. I’d like to say what a pleasant experience I have when using you for my financial requirements. I’ve used you for a number of years now and always the best experience and professional service I receive. Always available to answer any questions even at weekends. Nothing is too much trouble. I wouldn’t hesitate to recommend to anyone looking for asset finance.
Paul Carr
AP Taxis Ltd
Dave Innes has provided Britcom with a fantastic service over the years, he has a vast knowledge of the finance sector which builds trust with customers, he is also quick to react to customers’ demands, I have and would highly recommend Dave to anybody seeking finance.
Ian Gedney
Britcom
I have used Dave since 2014 and I have always been happy with the level of commitment and also swift action to complete finance applications. I have used Dave for all my fleet and will not use any other broker for any of my finance requirements.
Moh
YAA LTD
Frequently asked questions
Why use a Finance Broker?
A finance broker has access to a broad network of lenders, including specialist lenders that provide finance only via the broker network. This means you are more likely to find a finance solution that meets your individual preferences.
Do you charge a fee?
We do not charge you a fee for the services provided. We receive a commission from the lender for arranging the funding.