Embedded finance for business

A better way to get paid for equipment and fitout purchases.
Make it easy for your customers to buy more from you, with one simple, flexible account for ongoing purchases and extras.

Grow your business

Flexible repayments make it easier for more customers to buy more with you – today and in the future.

Optimise your cash flow

You get paid next business day. Your customers have up to 5 years to repay in easy instalments, at no cost to you.


Improve your customer experience

Customers register online in minutes, and can access up to $1 million within hours.

Convert more sales

Integrate Shift APIs with your online or in-store ordering system to offer seamless finance at check out.

How it works
Invite your customer to register
Invoice your customer as usual
Your customer uploads the invoice to Shift Online, and repays in monthly instalments up to 5 years
Shift pays you next business day

Change your business for the better. It’s easy.

Add Shift as a payment option on your website, invoices and in-store.
Integrate Shift with your online, in-store or back-office ordering system.
Invite your customers to register for Shift online in minutes.

Need help? Chat to a local Shift expert.

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. 
When will I be paid?
When your customer uploads and accepts the invoice, you will be paid by Shift next business day.
What does it cost?
You don’t need to pay any fees to offer Shift equipment and fitout finance. Your customer is charged a 14.95% interest rate, with no annual fees or establishment fees. They can make early repayments whenever they want at no charge.
How does Shift set a customer’s account limit?
Account limits range from $5,000 to $1 million, based on the size/turnover of their business. Our platform is designed to assess this quickly, using ABN, identity and other data. If customers open an account through an eCommerce integration, the maximum initial account limit is $100,000.
What is the minimum and maximum transaction size?
Your customer can process any invoice from $2,000 to $500,000 for equipment and $25,000 to $500,000 for fitout, up to their credit limit.
What if my customer doesn’t repay?
There is no risk to you, or time wasted chasing payments. Shift manages customer credit checks, late payments and collections.
How can I contact Shift?
Our merchant Account Managers can help you with any questions – head here for their contact details.