working capital facility

Everyday business finance that really works

Working Capital Facility
up to $1 million

The Shift Working Capital Facility is a flexible and convenient way to finance your working capital expenses including salaries, stock purchases, marketing, renovations and projects. Funds are deposited directly into your business account, ready to use. Access additional funds after 15 weeks for maximum flexibility, subject to a simple credit assessment.
For everyday business needs
No property security or financials up to $250k
Convenient redraw option
High service standards
Working Capital Facility amount
Up to $1 million
Interest rate
Based on your business circumstances
No annual fee or early repayment fees. Establishment fee applies.
Up to 2 years
Minimum time in business
12 months +
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 minimum qualifying criteria for a Shift Working Capital Facility?
We can assess any business with an Australian ABN that has been trading for 12 months or more with an annual turnover of at least $100,000.
How much can my business borrow?
Shift's Working Capital Facility is generally sized according to the business turnover and they range from $5,000 to $1 million.
What documents are needed to process a business loan application?

Our process is simple and can be completed online. We require a completed Application Form and 6 months of bank statements to process Working Capital Facility applications under $150,000. For Working Capital Facilities of $150,000 or more, we also require financial statements and a snapshot of the ATO portal.

What can the funds be used for?
The Working Capital Facility is our most convenient loan product. Funds are deposited directly into your businesses bank account, ready to use for any business purpose including paying bills, salaries, stock purchases, capital projects, refurbishments and small equipment purchases. You choose.

How long does it take to access funds?

Once you sign the Business Loan Agreement, the funds are transferred that day and should be in your account the next morning.
Can I speak to someone about the loan if I have any questions?

Yes, our Relationship Managers are available to help you with any questions and at every step of the short and simple process. They can be reached on 1300 249 649.

Can I access extra funds if I need to during the loan term?
Yes. After 15 weeks you can take advantage of our convenient redraw feature, subject to a simple assessment.
What loan terms are available?
The loan term is up to 2 years.

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.

Business Overdraft
Manage Cash flow
A flexible and convenient way to finance your working capital expenses including salaries, stock purchases, marketing, renovations and projects.
Learn more
Import Line of Credit
Finance overseas supplier purchases
The Import Line of Credit is a convenient way to finance your supplier purchases from overseas.
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
IDC DX Awards Winner
The Adviser - SME Loans under $250k - Broker product of choice
Linkedin Top startups award
Financial Review - Fast 100: 2018, 2020
Deloitte. Technology Fast 50 winner
Smart 50 - top 10 winner
Financial Review - Fast Starters
Deloitte. Technology Fast 500 winner

1300 249 649

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