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A business first approach to equipment finance

One account for current and future needs
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Business first approach

Limits are set based on the strength of the business, rather than type of asset required.

Flexible
use

Purchase any business equipment, without the need for applications or credit score checks each time.

Simple
online payment

Upload invoices for direct payment to suppliers, while your customer makes monthly repayments.

One solution for a broad range of needs

No age or class restrictions on any business-use equipment
5 year term on all transactions
No establishment or transaction fees
B2B private sales not subject to valuation or inspection
No caps on soft costs for fitouts
120 day payment deferral on fitouts

Meet current and future needs

A limit is set based on the strength of the business, and is available to be used for multiple transactions over 5 years.
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Your customers can use their limit to meet any immediate needs and have the confidence to make future purchases.
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Transact seamlessly. Your customer can upload invoices in Shift Online to be paid the next business day or you can do it on their behalf in Shift Connect.

Suitable for businesses with:

2+ years in business
$250k+ annual turnover
550+ director Equifax score

Scenarios

Mail distribution company
$2.4m annual turnover
22 years in business
Facility limit: 250k
Use of funds
Repeat usage
  • Made a 12 transactions for a total of $392k
    (157% of their facility limit)
  • Paid down their first 5 transactions so they could have funds available to use
Restaurant
$1.6m annual turnover
8 years in business
Facility limit: $300k
Use of funds
Restaurant fitout
  • Started a refurbishment in October 2023
  • Paid 37 invoices for a total of $296k under their fitout sub-limit
  • Restaurant resumed trading in December 2023
  • Converted to chattel mortgage in February 2024 after 120 day payment deferral (escrow) period
Mining equipment supplier
$4.5m annual turnover
7 years in business
Facility limit: $320k
Use of funds
Private sale
  • Existing Shift customer with a $175k Business Overdraft
  • Established an Equipment Line to purchase a 2021 bobcat from a concreting business for $94k
  • Quick turnaround was enabled through inspection and valuation not being required under the facility
  • Made a further 3 transactions for $219k
Get in touch





Level 21, 177 Pacific Hwy
North Sydney, NSW 2060
1300 249 649 (Option 1)partners@shift.com.au

Privacy Policy. Terms and conditions. Please consider all information provided to you carefully and seek independent legal/financial advice. Standard credit assessment, fees, terms and conditions apply. Our products are issued by Shift Financial Pty Ltd (ABN 24 149 390 625) or its subsidiary Shift Finance Australia Pty Ltd (ABN 54 601 158 507) (together "Shift").