We're for business
Providing Australian businesses with credit and payment products to take control of cash flow, purchase assets and streamline trade terms.
Get startedProducts made for business
Business Overdraft
Equipment Line
Asset Finance
Trade Account
Cash flow management
Seamlessly links to your business transaction account so you can transfer funds anytime, anywhere.
- Term
- 5 years
- Repayments
- Weekly or monthly
- Account limit
- $2 million
- Annual variable % rate
- 19.95% - 14.95%
- Fees
- No establishment fee
$495 - $795 annual fee
Equipment and fitouts
One account to pay for equipment and fitout purchases in instalments. New or second-hand.
- Term
- 5 years
- Repayments
- Monthly
- Account limit
- $2 million
- Fixed variable
percentage rate - 11.95% - 16.95%
- Fees
- No establishment fees
No annual fees - Equipment age
- No age restriction
Buy new or second-hand - Time in business
- 1-2 years: Up to $100k
2+ years: Up to $1m
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 7.95%
- 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
Invoice payments
Pay your business invoices for materials, stock and services, choosing repayments that suit you.
- Repayments
- Choose a date to repay in full. Or choose to repay in weekly instalments
- Account limit
- Up to $500,000.
- Fees
No establishment fee.
No account keeping fee.
Transaction fee based on invoice amount and repayment term chosen.
Zero transaction fee for 14 day terms (eligible transactions).
Secure and simple business transactions
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.
How it works
Register online for an account
Link your business bank account
Access funds and start transacting
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.
