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Improve cash flow management with a Business Overdraft

A hassle-free finance solution that allows you to meet current and future needs
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Suitable for all your business needs

Access up to $1 million through our business line of credit. Save the hassle from withdrawing business loans and going through the credit check process every time.
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Funds as you need them

Funds can be used for any business purpose, simply transfer what you need to your business bank account.

Do business internationally

Easily send funds to over 170 countries directly from your Business Overdraft with competitive rates in 50+ currencies through a feature provided by OFX.
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Product features

Account limits up to $1M
Weekly instalments over 4 years
Only pay interest on what you use
Approvals possible within 24 hours

Hear from our customers

Access your funds in 3 easy steps

Register for an account in minutes
Link your business bank account for faster decisions
Get funded and start transacting
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Open a Business Overdraft

Join over 15,000 Australian businesses using Shift and register for an account online in minutes.
Active ABN
Australian mobile number
Australian driver’s licence or passport
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