About Shift

Dedicated business specialists

Businesses are recognised as the driving force behind our economy and the heart of our community, each having their own unique set of complexities and opportunities.

Shift provides financial certainty to businesses so they can operate and grow with our range of credit and payment products across the working capital, asset finance and trade credit markets.

We're for growing business

Established small and medium-sized businesses (SMEs) are those businesses with $1m - $10m annual revenue. We've seen a 10% or more increase in 65% our customers compound annual growth rate (CAGR) since 2019.

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Technology enabled

Credit and payment products that help businesses trade, pay and access funds.
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260+ employees

From our underwriters to our engineers, we’re all driven by delivering better business outcomes for our customers.
Careers at Shift

Business specialists

By combining business expertise, a relationship focus and powerful technology we’re helping SMEs do business better.
Meet the team
Credit and payment products for Australian businesses

Shift provides Australian businesses with credit and payment products, allowing them to take control of their cashflow, purchase assets and streamline trade terms.   

Shift brings the same level of digitisation that consumers enjoy every day to the business world so businesses can manage their finances with ease, flexibility and control.  

Since its founding in 2014, Shift has provided funding to support the growth aspirations of more than 25,000 Australian businesses.

Products made for business

Shift’s products provide a credit limit specific to every business. Knowing their limit means our customers have a consistently clear view of how much capital is available to them, as well as control over when and how they use the funds.

Business Overdraft

Cash flow management
Suitable for all business needs. Cover day-to-day expenses or free up capital for growth.
Business Overdraft Dashboard
  • Account limits up to $1M
  • Unsecured finance options available
  • Only pay interest on what you use
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Equipment Line

Equipment and fitouts
Finance business equipment and fitout purchases, in easy instalments.
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  • Payments spread over 5 years
  • No restrictions on age or types of assets
  • No repayment for 120 days on fitouts
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Trade Account

Invoice payments
Manage supplier invoices in one place with flexible terms and payment options that suit you.
Trade Account Dashboard
  • Account limits up to $500k in minutes
  • Pay in weekly instalments up to 20 weeks
  • Extend invoices when it suits you
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Our awards

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The IDC DX Awards recognise the achievements of businesses that have digitised multiple areas of their business with digital and disruptive technologies. Shift (known as GetCapital at the time) was awarded the Digital Disruptor of the Year and Omni Experience Innovator. Acknowledging how Shift provides a better experience for buyers and suppliers through Shift Trade.  

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The Commercial & Asset Finance Brokers Association of Australia (CAFBA) awards celebrate the broker industry. Shift has been awarded Fintech of the Year - voted entirely by brokers – for the last four years running. Brokers are our partners and we’re grateful for the continued trust we receive to work together to provide Australian businesses with the right financial products.
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Shift was listed in the Financial Review Fast 100, recognising Australia’s fastest growing companies. Shift was acknowledged for growth across all products and strong customer engagement.