A better way to pay for equipment
Simplify your business
Put your fitout to work
Improve your cash flow
Open an account in minutes
How it works
Upload any equipment or fitout invoice to Shift Online
Shift will pay the merchant next business day
Repay in monthly instalments over 5 years
Use your account limit for additional purchases, any time
4 month fitout repayment deferral
Minimum time in business
Variable annual percentage rate
No establishment fee.
No annual fees.
Frequently asked questions
Why choose Shift?
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.
How does it work?
Open an account online in minutes. A Shift Account Manager will contact you to finalise your account setup and set your limit. You can use your Equipment Line for as many equipment or fitout purchases as you need, with any supplier or merchant, up to your account limit.
What can I buy?
All types of commercial equipment, including technology, commercial kitchen or cleaning equipment, building equipment, and retail, office or industrial fit outs or refurbishments.
How do you set my account limit?
Account limits range from $5,000 to $1 million. Your account limit is set based on the size or turnover of your business, which our platform can quickly assess based on the information you link online. Each transaction on your account needs to be at least $2,000.
What do I need to open an account?
Shift can assess any business with a valid Australian Business Number with over 1 year trading history. You will also need to provide your mobile number, drivers’ licence or passport, and securely connect your business bank account.
How soon can I access my Equipment Line?
Limits under $250,000 can be approved within hours, with no paperwork. Once you sign your Facility Agreement, you can upload your invoice to Shift Online and the merchant will be paid next business day.
What does the Equipment Line cost?
You’ll pay a 14.95% variable annual percentage rate, with no annual fees, no establishment fees, and no surprises. Pay out your credit line, or make extra repayments whenever you want, at no cost.
How long do I have to repay?
You have up to 5 years for each transaction you make on your account.
How do I make repayments?
Monthly repayments will be automatically debited from your linked business bank account.
How do I contact Shift?
Our Account Managers can help you with any questions – head here for their contact details.