Business LOANS

Real-time business loans.
Without the paperwork.

Manage cash flow with ease with a Shift business loan up to $1 million.
Ready when you are
Open an account online in minutes, and access up to $1 million within hours.
Transfer funds anytime, anywhere
Business loans that seamlessly link to your transaction account.
Optimise your cash flow
Purchase stock, pay invoices or employees now and repay over time.
Account limit
Up to $1 million
Weekly and monthly options
Minimum time in business
1 year +

9.95% - 19.95% annual percentage rate

No establishment fee.
$395 annual fee.

Open an account in minutes

All we need are a few business and personal details so we can verify you in real-time and set-up your account on the spot.

Register online

You’ll need your ABN, Australian driver's licence or passport number and bank account details.

Link your accounts

Link your business bank account for a fast decision.

Get funded

Receive funding within hours.

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. 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.

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 business loan?

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

What does a business loan cost?
You’ll pay a 9.95% - 19.95% annual percentage rate, with a $395 annual fee, no establishment fees, and no surprises.
How long do I have to repay?
You have up to 5 years for each transfer you make from your account.
How do I make repayments?
Monthly or weekly repayments will be automatically debited from your linked business bank account.
How do I make repayments?

Our Account Managers can help you with any questions – head here for their contact details.