Import line of credit

A true revolving facility to pay overseas suppliers

Import line of Credit
up to $1 million

The Shift Import Line of Credit is a convenient way to finance your supplier purchases from overseas. There’s no cost to set up the facility and once approved, you can easily transact within your approved credit limit.
Ideal for international purchases
No setup costs or line fees
Only pay for what you use
Better than the banks FX rates
Import Line of credit
Up to $1 million
Interest rate
9.95% – 24.95%
annual percentage rate
$395 annual fee
No early repayment fees
Minimum time in business
3 years+ (2 years with property)
avoid lengthy applications

Online application in
less than 5 minutes

All we need is a few business and personal details so we can verify you in real-time, avoiding a lengthy application. Link your bank account and we can service you on the spot.

Get started

Verify your ABN, mobile and Australian ID in real time.
Please Have the following ready:
ABN, Australian driver's licence or passport number and bank account details.

Link accounts

Link your business bank account for a fast decision

Get funded

If approved, get funded within 24 hours

Frequently asked questions

What is the Shift Import Line of Credit?
Our Import Line of Credit is a simpler alternative to traditional trade finance. It is a line of credit that can be used to pay suppliers overseas, enabling businesses to take possession of goods and turn them into cash before having to fully pay for the stock. We finance 100% of the invoice and the limit can be used repeatedly.
How much can my business borrow?
The credit limits are available up to $1 million AUD and individual transactions start at $10,000 AUD per supplier.
What percentage of the invoice value can be financed?
You can finance up to 100% of the invoice amount.
How long does it take to access funds?
Our Line of Credit can be approved and ready to use in as little as 24 hours from all loan documents being submitted. For each transaction, the funds take approximately 3 days to reach the overseas suppliers.
What type of goods can be purchased using the Import Line of Credit?
Our Line of Credit can be used for almost any raw materials and finished goods.
Can the Line of Credit be used to pay domestic suppliers?
No. The Import Line of Credit can only be used to pay overseas suppliers. However, our Business Overdraft and Working Capital solutions, which can be used for any business purpose, can be used pay local suppliers in Australia.
Is the Line of Credit available in other currencies?
The facility is in AUD however we transfer funds in the currency of the supplier, such as USD, GBP, CNY and NZD.
When does the Line of Credit need to be repaid?
Scheduled weekly repayments are based on a 2-year amortisation however the facility can be repaid and reused as a revolving line of credit.
What documents are needed to set up the facility?
To set up the Line of Credit we require a completed application form, 6 months of bank statements and in the case of a facility of $150,000 or more, we will require a copy of the ATO portal and recent Financial Statements.
What documents are needed for each supplier transaction?
A supplier invoice and a completed Transaction Request, submitted online, is all that’s needed for each supplier transaction.

We are a full member of the Australian Finance Industry Association (AFIA), the leading industry advocate for Australia’s finance sector.

Learn more

Other business finance options

If you’re interested in other finance options for your business, explore our range of solutions below, or call us on 1300 249 649 to discuss your specific needs.
Working Capital Facility
For everyday business finance
A flexible and convenient way to finance your working capital expenses including salaries, stock purchases, marketing, renovations and projects.
Learn more
Business Overdraft
Manage cash flow
Transfer funds seamlessly from your overdraft to any linked business account and manage cash flow as needed.
Learn more
Term Loan
Grow & Expand your business
A convenient business finance solution of up to $1 million to support the growth and expansion of your business.
Learn more
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