Access business finance in minutes

Shift is finance on demand for business. Enabled by streaming data, Shift provides credit and payments platforms that help businesses trade, pay and access funds.

As one of Australia’s fastest-growing technology companies, Shift is changing the way businesses access finance. Shift has been recognised by AFR’s Fast 100, Deloitte’s Technology Fast50, Smart Company’s Smart50 and Deloitte’s Asia Pacific Technology Fast 500.

Open an account online in minutes. A Shift Account Manager will contact you to finalise your account setup, set your limit and advise you on how to transfer funds.

Your business loan can be used for any business purpose.

Account limits range from $10,000 to $1 million depending on business turnover and are dynamically set using bank connection technology.

Shift can assess any business with a valid ABN and more than 1 year trading history. You will also need to provide your mobile number, driver’s licence or passport, and securely connect your business bank account.

Limits under $250,000 can be approved within hours, with no paperwork.

Our most popular product is a Business Overdraft which ranges from 13.95% to 22.95% variable annual percentage rate depending on business turnover with no early repayment fees. The time in business requirement is 3+ years and there is a $495 or $795 annual fee depending on the account limit.

For newer businesses or those outside of our credit policy we may offer a Working Capital Facility. Rates are dependent on business circumstances.

5 years depending on the type of business loan.

Weekly repayments will be automatically debited from your linked business bank account.

Our Account Managers can help you with any questions – head here for their contact details.