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Access business finance in minutes

Manage cash flow with ease with a Shift business loan up to $1 million.
Choose from Shift’s unique range of finance on demand solutions for any business purpose.
Seamless onboarding
Register online in minutes to access up to $1 million, without the paperwork.
A range of solutions
Find the finance solution that’s right for your business.
Flexible security options
No property security or financials up to $250k.
Anytime, anywhere
Access funds when you need with Shift Online, and repay over time with flexible options.

How it works

Verify your ABN, mobile and Australian driver’s licence or passport number

Step 1

Link your business bank account

Step 1

Access your account within hours

Step 1
Account limit
Up to $1 million
Open an account in minutes
Get Started

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, set your limit and advise you on how to transfer funds.

What can my business loan be used for?

Your business loan can be used for any business purpose.

How do you set my account limit?

Account limits range from $10,000 to $1 million depending on business turnover and are dynamically set using bank connection technology.

What do I need to open an account?

Shift can assess any business with a valid ABN and more than 1 year trading history. You will also need to provide your mobile number, driver’s licence or passport, and securely connect your business bank account.

How soon can I access my business loan?

Limits under $250,000 can be approved within hours, with no paperwork.

What does a business loan cost?

Our most popular product is a Business Overdraft which ranges from 13.95% to 22.95% variable annual percentage rate depending on business turnover with no early repayment fees. The time in business requirement is 3+ years and there is a $495 or $795 annual fee depending on the account limit.

For newer businesses or those outside of our credit policy we may offer a Working Capital Facility. Rates are dependent on business circumstances.

How long do I have to repay?

5 years depending on the type of business loan.

How do I make repayments?

Weekly 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.