Earn on your terms. Keep 90% of every dollar.
Lumo takes 10%. That's it. No lead fees, no boost fees, no monthly minimums. Payouts hit your bank in under 24 hours. Pick the jobs you want; skip the ones you don't. No 1099 quotas — do one job a month or a hundred.
60 seconds to your first Lumo payout.
Every step of what happens after you sign up — from accepting your first job to the money hitting your bank.
New jobs pop up in seconds.
Lumo pings you the moment a nearby customer posts a request in a category you offer. Tap Accept, quote your price, done.
Keep 90% of every dollar
Half of what TaskRabbit / Instacart / Uber Eats take.
Lumo takes a flat 10% platform fee — no lead fees, no boosts, no upsells. You do the work, you keep the payout.
Payouts in under 24 hours
Not 7 days. Not weekly batching. Same-day if you connect Stripe.
The moment a customer confirms your work, funds move to your bank via Stripe Connect. Instant wallet withdrawal for cash-out anytime.
Pick your hours, pick your jobs
Zero quota, zero minimums, no ghost-employer boss.
Post one job a month or one hundred — nothing changes on your side. Accept only the jobs you actually want; decline the rest with no penalty.
Jobs come to you, GPS-first
Uber-style live tracker maps you to the customer.
Set your service radius. Nearby jobs surface at the top of your feed with distance, walking-time, and photo evidence baked in. No cold-emailing bids.
The math: Lumo vs. everyone else
| Platform | Take from provider | Lead fees | Payout speed |
|---|---|---|---|
| Lumo | 10% | None | Same-day |
| TaskRabbit | ~25–30% | None | 1–2 days |
| Thumbtack | 0%* | $8–$60 per lead | 3–5 days |
| Uber / Uber Eats | ~25–30% | None | Weekly |
| Instacart | ~20% | None | Weekly |
*Thumbtack charges providers PER LEAD whether they win the job or not — often more expensive than a percentage cut.
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Takes about 3 minutes. We'll follow up within 24 hours.
Available in these cities
51+ cities and growing
Get paid earlier — partner banks & tools
Earn referral bonuses while getting better banking, tax, and gig-worker perks.
Insurance
5 partnersHourly, daily or monthly liability insurance for handymen, photographers, contractors. Buy on your phone in 60 seconds.
General liability, workers comp, commercial auto — built for solopreneurs.
Online quote + binding for consultants, IT pros, real-estate agents.
Marketplace for 100+ small-business insurers, quote in 10 minutes.
Tax + health insurance app for gig workers. $5–$15 per signup.
Better banking
3 partnersRefer a friend, you both get $100 when they direct-deposit $200+.
Cash out up to $750 from your paycheck before payday. $10/referral.
Up to $300 sign-up bonus + your referral fee.