Shift business loans
Shift is an Australian business lender offering a revolving business overdraft from $10,000 to $2 million, plus asset finance, an equipment line and a trade account. It is a signatory to the AFIA Online Small Business Lender Code of Practice.
Refer Labs is an independent referrer, not Shift and not a lender. If Shift fits what you need, we can introduce your enquiry to them; they assess it and make any offer directly to you. Refer Labs is free to use.
$10,000 – $2,000,000Approval within hours for limits under $500,000AFIA Code signatory
Shift at a glance
- Rate
- From 14.95% p.a. (as at July 2026)
- Loan size
- $10,000 – $2,000,000
- Typical speed
- Approval within hours for limits under $500,000
- Products
- Line of credit or overdraft, Term loan, Equipment finance, Trade finance
- Establishment fee
- None on the overdraft; $499 on asset finance
- Industry code
- AFIA Online Small Business Lender Code signatory
Figures are Shift's advertised terms and can change. Verify current rates and eligibility on Shift's own site.
Check whether Shift fits
Tell us what you need. We'll tell you whether Shift looks like a plausible fit, and which other lenders we compare might suit better. One short form, no documents.
Shift business loans: common questions
- How much can I borrow with Shift?
- Shift advertises business loans from $10,000 to $2,000,000. The amount you're offered depends on Shift's assessment of your business, not the maximum on the page.
- What do I need to qualify for a Shift loan?
- Shift generally looks for a business trading for at least 24 months, an active ABN, and consistent revenue the lender can verify. Exact criteria are set by Shift and can change.
- How fast can Shift fund a loan?
- Shift advertises funding approval within hours for limits under $500,000 once your application is approved and verified. Real timing depends on how quickly your details can be confirmed.
- Does Shift charge fees?
- Shift charges an establishment fee of None on the overdraft; $499 on asset finance, and may charge other fees. Always ask for the full fee schedule and the total cost of the loan in dollars before you sign.
- Is Shift a legitimate lender?
- Shift is an established Australian business lender and a signatory to the AFIA Online Small Business Lender Code of Practice. Refer Labs is an independent referrer, not Shift; we introduce your enquiry with your consent and the lender assesses it.