Shift review
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.
This is an independent overview to help you decide whether to enquire. We don't publish our own star ratings, and no lender can pay to be framed more favourably.
Who Shift tends to suit
- Businesses wanting a larger facility, since Shift funds up to $2,000,000.
- Businesses that want revolving access rather than a single lump sum, via the line of credit.
- Time-sensitive needs, given a typical turnaround of approval within hours for limits under $500,000.
What to check before you apply
- The From 14.95% p.a. figure is an advertised "from" rate (as at July 2026), not a quote. Ask Shift for the rate and fees for your specific situation.
- Unsecured business finance usually costs more than a secured bank loan. Compare the total cost of the loan, not just the headline rate.
- Confirm the loan term, repayment frequency, and any establishment or early-repayment fees before you sign.
- Shift is listed as an AFIA Online Small Business Lender Code signatory, which sets conduct and disclosure standards. It is still worth reading the contract in full.
The facts
Rate: From 14.95% p.a.
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
Verify current terms on Shift's own site.
See if Shift fits your business
One short enquiry. We'll tell you whether Shift looks like a plausible fit and introduce you if it is.
If your loan settles, Refer Labs may be paid a share of the broker's commission, or a commission from the lender. This never changes what you pay, and we are not paid to rank one lender above another. How we make money.