Business Overdraft

Manage your cash flow

Seamlessly links to your business transaction account so you can transfer funds anytime, anywhere.

  • Seamless onboarding

    Register online to open an account and access up to $1 million.
  • Flexible account

    You’ll only ever pay interest on what you spend, not on the overdraft limit.
  • Anytime, anywhere

    Access your account anytime, anywhere with Shift Online.

Product information

The Business Overdraft is a flexible way to access finance for any business purpose when you need it

  • Term

  • Repayments

    Weekly or monthly
    up to 5 years
  • Account limit

    Up to $1 million
  • Annual variable % rate

    14.95% - 23.95%
  • Fees

    No establishment fee
    $495 - $795 annual fee

How it works

  • Register online to open an account

  • We’ll contact you to finalise and set your account limit
  • Transfer funds from your Business Overdraft to your linked business transaction account


  • How do you set my account limit?

    Account limits range from $10,000 to $1 million. Your account limit is tailored to your financial position, which is assessed based on the linking of your bank account data. For accounts from $500k and above, the account limit is assessed based on financials.
  • How soon can I access my Business Overdraft?

    Limits under $500,000 can be approved within hours, with no paperwork. Once you sign your Facility Agreement, you can transfer funds from your Business Overdraft to your linked business transaction account.
  • What does a Shift Business Overdraft cost?

    You’ll pay a 14.95% - 23.95% annual variable percentage rate. There is a $495 or $795 annual fee depending on the account limit. Pay out your Business Overdraft, or make extra repayments whenever you want, at no cost.
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The IDC DX Awards recognise the achievements of businesses that have digitised multiple areas of their business with digital and disruptive technologies. Shift (known as GetCapital at the time) was awarded the Digital Disruptor of the Year and Omni Experience Innovator. Acknowledging how Shift provides a better experience for buyers and suppliers through Shift Trade.  

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The Commercial & Asset Finance Brokers Association of Australia (CAFBA) awards celebrate the broker industry. Shift has been awarded Fintech of the Year - voted entirely by brokers – for the last four years running. Brokers are our partners and we’re grateful for the continued trust we receive to work together to provide Australian businesses with the right financial products.
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Shift was listed in the Financial Review Fast 100, recognising Australia’s fastest growing companies. Shift was acknowledged for growth across all products and strong customer engagement.  

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