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We're for business

Providing Australian businesses with credit and payment products to take control of cash flow, purchase assets and streamline trade terms.
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Products made for business

Business Overdraft
Equipment Line
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Asset Finance
Trade Account
Business Overdraft
Cash flow management
Seamlessly links to your business transaction account so you can transfer funds anytime, anywhere.

  • Term

    Revolving

  • Repayments

    Weekly or monthly
    up to 5 years

  • Account limit

    Up to $1 million

  • Variable annual percentage rate

    14.95% - 23.95%

  • Fees

    No establishment fee
    $495 - $795 annual fee
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Equipment Line
Equipment and fitouts
One account to pay for equipment and fitout purchases in instalments. New or second-hand.

  • Term

    Revolving

  • Repayments

    Monthly over 5 years
    120-day payment deferral on all fitouts

  • Account limit

    Up to $1 million

  • Fixed variable percentage rate

    13.95% - 16.95%

  • Fees

    No establishment fees
    No annual fees

  • Equipment age

    No age restriction

  • Time in business

    1-2 years: Up to $100,000
    2+ years: Up to $1m
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Asset Finance
Business assets
Purchase assets - such as equipment, vehicles, or machinery - without paying the full cost upfront.

  • Term

    Up to 7 years

  • Account limit

    Up to $2m for eligible businesses

  • Fixed annual percentage rate

    From 8.95%

  • Balloons

    Available to all primary assets and a broad range of secondary assets up to 20 years

  • Fees

    $499 establishment fee
    (added to the loan)

  • Repayments

    Monthly
Learn more
Trade Account
Invoice payments

Pay your business invoices for materials, stock and services, choosing repayments that suit you.

  • Pay in full or pay in instalments

  • Time purchases to suit your business

  • No establishment or account keeping fees

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Secure and simple business transactions

Business owners

Shift Online

Link your bank account and choose from a range of solutions - an overdraft for working capital, payment options to buy equipment, expansion capital or a trade account to pay your suppliers.
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How it works

trade signup
  • Register online for an account
  • Link your business bank account
  • Access funds and start transacting
Get started

Doing business better

Shift provides Australian businesses with more financial certainty. With credit limits across our range of products businesses can have more confidence in knowing what capital is available and control in when they use it.
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The Equipment Line has helped us purchase a new crepe machine and fridge for the business and helps spread the cost of the equipment over a longer period.
- Muncheez
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Easy access to funds. Best thing has been maintaining our cash flow for our expansion and communication with Shift relaying back to us on any issues has been exceptional.
- Schnithouse
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The process was seamless with a quick approval time and overall experience was highly positive. The equipment supplier received the funds very quickly after acceptance of the terms.
- Albert & Moore
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I have been dealing with Shift now for several years and I can honestly say they are amazing to deal with. Knowing we've got a financial support in our corner when we need them the most has really helped our business continue to grow.
- James Kelly
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Always an enjoyable & smooth experience working with Daniel and the team at Shift to find our mutual clients the right solution for their business funding needs.
- Connor Schoeman
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Working with the team at Shift has been a pleasure - very quick to respond, they listen and find the best product for your company's needs and they. follow up. Could ask for a better team to have on our side.
- Julija