Shift

Shift uses a proprietary Streaming Data Service that ingests read-only business banking data, ASIC company records, and risk insights to build a live financial position of a borrower. This lets the firm assess credit based on actual cash flows and conduct rather than static financial estimates, and supports continuous credit-limit adjustments without repeated manual reviews.

Shift provides a Business Overdraft that links to a business transaction account, an Equipment Line for financing new or second-hand fitouts and equipment in installments, Asset Finance for purchasing vehicles or machinery without paying upfront, a Term Loan, and a Trade Account for paying supplier invoices. These products are designed around repeat-use and revolving access to funds.

Both. Shift partners with brokers who serve SME clients, providing them a portal called Shift Connect that surfaces eligible credit-limit increases and financial-position insights. It also works directly with suppliers via its Shift Trade product, helping them manage credit risk and order processing for their business customers.

No. Shift is a non-bank technology company providing credit and payment solutions. It is not a deposit-taking institution, and its underwriting relies on data streams from a customer’s existing Australian bank accounts to size and manage credit facilities.

Shift focuses on Australian small and medium enterprises across a wide range of industries — recent named customers include food manufacturers like The Confectionist and Mayfair Bakery, a vineyard operator (Rouleur Wine Co), a concreting business (Bramich’s Concreting), and a retail service concept (Sneaker Laundry). The common thread is a need for working capital or equipment finance with flexible, data-driven terms.