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A better way to pay for equipment

One account to pay for equipment and fitout purchases in instalments.

Simplify your business 

One account, one universal limit to purchase new or second-hand equipment from any supplier, any time.

Put your fitout to work

No payments for 120 days on fitout purchases – so you can start generating revenue before you start paying for it.

Optimise your cash flow

Buy equipment today, or get that refurbishment underway. Pay in easy instalments up to 5 years.


Ready when you are

Open an account online in minutes, and access up to $1 million within hours. Use your account to make any equipment purchase over $2,000.

How it works

Account limit
$5,000 to $1 million

Monthly over 5 years.
4 month fitout repayment deferral.

Equipment age

No age restriction – buy new or second-hand

Minimum time in business
2 years +

15.95% fixed annual percentage rate

No establishment fees.
No annual fees.

Open an Equipment Line

One account for all your equipment and fitout purchases.

Do you sell equipment to businesses?

Find out how Shift 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.

How does it work?

Open an account online in minutes. A Shift Account Manager will contact you to finalise your account setup and set your limit. You can use your Equipment Line for as many equipment or fitout purchases as you need, with any supplier or merchant, up to your account limit.

What can I buy?
All types of commercial equipment, including technology, commercial kitchen or cleaning equipment, building equipment, and retail, office or industrial fit outs or refurbishments.
How do you set my account limit?

Account limits range from $5,000 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. Each transaction on your account needs to be at least $2,000.

What do I need to open an account?
Shift can assess any business with a valid Australian Business Number with over 2 years 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 Equipment Line?
Limits under $250,000 can be approved within hours, with no paperwork. Once you sign your Facility Agreement, you can upload your invoice to Shift Online and the merchant will be paid next business day.
What does Equipment Line cost?

You’ll pay a 15.95% fixed annual percentage rate, with no annual fees, no establishment fees, and no surprises. Pay out your credit line, or make extra repayments whenever you want.

How long do I have to repay?
You have up to 5 years for each transaction you make on your account.
How do I make repayments?
Monthly repayments will be automatically debited from your linked business bank account.
How do I contact Shift?
Our Account Managers can help you with any questions – head here for their contact details.