From startup checking to enterprise treasury management, Lumina Vault delivers the accounts, credit, and dedicated expertise your company needs to operate and grow with confidence.
12,000+
Business clients served
$1.2B+
Business loans funded
48hr
Average account approval
98%
Client retention rate
$0
Monthly maintenance fee
The operational backbone of your business.
A full-featured business checking account with unlimited transactions, same-day ACH, and a dedicated business debit card. Integrates with major accounting platforms.
3.75%
Annual Percentage Yield
Earn more on your operating reserves.
Park your business reserves in a high-yield account earning a competitive APY. No minimum balance, no lock-in period, and instant transfers to your checking account.
48hr
Account approval turnaround
Institutional tools for growing companies.
Advanced cash management, payroll funding, controlled disbursements, and fraud prevention tools — purpose-built for businesses managing complex cash flows.
Earn rewards on every business purchase. Flexible credit limits, employee cards, and detailed spend reporting.
Accept payments in-store, online, or on the go. Competitive processing rates with next-day funding.
Revolving credit up to $500K for working capital, inventory, or unexpected expenses. Draw only what you need.
Finance the equipment your business needs with fixed monthly payments and competitive rates starting at 4.9% APR.
Preferred SBA lender status. We guide you through 7(a) and 504 loan programs with faster approvals.
Purchase, refinance, or renovate commercial property with flexible terms and competitive long-term rates.
12,000+
Business clients served
$1.2B+
Business loans funded
48hr
Average account approval
98%
Client retention rate
Apply online in minutes or speak with a dedicated business banking specialist today.