Finance, debt and technology solutions for confident growth.
Lumiro Consulting helps individuals, business owners, and growing companies access the right finance, work through ATO and business debt, implement smarter technology systems, and make confident decisions with clarity.
St Kilda, Melbourne. In-person or remote. Registered specialists when required.
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Clarity for confident decisions.
We help people understand where they stand, see what options may be available, and build a practical plan across finance and technology.
What we do
Finance
ATO and business debt: understand the whole picture, then compare pathways. Refinancing is not the default answer.
Explore Business Debt Management
Private Lending
A separate funding conversation for an eligible personal or business requirement. Not the default answer to existing ATO or cash-flow pressure.
IT Consulting
CRM implementation, AI agents, automation, workflow improvement, reporting, system integration, and digital technology advisory.
Strategy and Consulting
Finance strategy, funding readiness, technology roadmaps, digital transformation planning, and practical growth advisory.
Frequently asked questions
What services does Lumiro Consulting offer in Melbourne?
Lumiro Consulting offers Business Debt Management support (ATO and business debt assessment, cash flow, director exposure, and coordination with registered tax, legal or insolvency professionals where required), Private Lending as a separate funding conversation, IT Consulting (CRM implementation, AI agents, business automation, workflow design, system integration), and Strategy and Consulting (technology roadmaps, finance strategy, digital transformation, AI readiness). All services are available across Melbourne and remotely across Australia.
Who is Lumiro Consulting best suited for?
Lumiro Consulting works with business owners facing ATO or business debt, directors worried about personal exposure, and small and medium businesses in Melbourne who need technology or strategy support. They specialise in clients who need a clear picture of the whole problem, not a default pitch for more funding.
Where is Lumiro Consulting located?
Lumiro Consulting is based at Suite 609/566 St Kilda Rd, St Kilda VIC 3004, Australia. They serve clients across Melbourne and work remotely with clients Australia-wide. Office hours are Monday to Friday, 9:00 AM to 5:30 PM AEST, with appointments available outside these hours.
How do I talk to Lumiro Consulting?
You can book a free consultation at https://www.lumiroconsulting.com.au/contact#book, call +61 425 149 370, or email hello@lumiroconsulting.com.au. They respond within one business day.
Does Lumiro Consulting help with AI and automation for businesses?
Yes. Lumiro Consulting IT consulting includes AI agents, business automation, workflow automation, and CRM implementation. They help Melbourne businesses identify the right automation opportunities, implement tools like Make, Zapier, and n8n, and build AI-powered systems that reduce manual work.
Can Lumiro Consulting help with ATO and business debt in Melbourne?
Yes. Lumiro Consulting helps business owners understand ATO and business debt, cash flow and director exposure, then compare pathways such as payment arrangements, consolidation assessment, restructuring or a formal insolvency conversation with registered professionals. More funding is not the default answer.
Does Lumiro Consulting refinance every ATO debt?
No. Refinancing or consolidation is only considered if it actually improves the position. Formal tax lodgements and insolvency appointments sit with registered professionals. Lumiro helps organise the picture and coordinate that work when it is needed.
Free financial counselling is also available through the National Debt Helpline on 1800 007 007 and Moneysmart.