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The new must-have tool for your business

One account to pay all your suppliers – on your terms.
Pay for materials, stock, services, even the ATO with a single Trade Account and choose repayments that suit you.

Seamless onboarding

Open an account up to $50k in minutes or up to $500k in hours.

Choose flexible repayments

Extend the repayment on any invoice for 14 days for free or up to 20 weeks with a transaction fee.

Simplify your business

Pay all your supplier invoices from a single account, even the ATO.

How it works

Account limit
$2,000 to $500,000

Pay in 14 days for free
Pay in weekly instalments up to 20 weeks

Minimum time in business
1 month +
Transaction fee
No establishment fee. No annual fees.

Open a Trade Account

Pay for materials, stock, services, even the ATO with a single Trade Account and choose repayments that suit you.

Are you a supplier?

Find out how Shift Trade can help your business grow.

Learn more

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.

What can I buy?

A Trade Account can be used to pay supplier invoices, ATO and utilities bills, and more.

How much can I borrow?

Account limits up to $500,000 are available.

What do I need to open an account?

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

How long does it take?

Limits up to $50,000 can be set in minutes. Limits over $50,000 can be set the same business day.

What does it cost?

Using Shift is free unless you want to extend your repayment date beyond 14 days. A 0% - 9.99% transaction fee applies, based on the repayment term selected.

What is the minimum invoice size?

The minimum invoice amount is $20.

How long do I have to repay?

Pay in 14 days for free or up to 20 weekly instalments with a transaction fee.

How do repayments work?

You can check your schedule of repayments online. Repayments are automatically debited from your nominated business bank account. You’ll receive a reminder two days before your payment due date to let you know the amount that will be deducted from your account.

How can I contact Shift?

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