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Shift Asset Finance

Vehicle and equipment finance up to $2M over up to 7 years, including cars, utes, vans, trucks and trailers.

Vehicle & Fleet FinanceEquipment & Asset Finance
Source dated 23 Sept 2026
Amount
Up to $2M
Term
Up to 7 yrs
Rate
From 7.95% (annual percentage rate)
Security
Varies
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Product details

As published by Shift. Details not published by the lender are marked.

Loan amount
Up to $2M
Rate
From 7.95% (annual percentage rate)
Rate type
Fixed
Term
Up to 7 yrs
Security
Varies
Structure
Equipment loan
Fees
$499 establishment fee, added to the loan
Repayment frequency
Monthly
Time trading
2+ years trading
Turnover
$250K+ annual turnover
Documents
Linked bank statements; vendor invoice and ID documents before funding
Funding time
Funds sent to the vendor the same day, after approval and signing
Restrictions
Bank statements only: up to $250K non-asset-backed, $1M asset-backed. Up to $2M with a review of annual financial statements
How to apply
Direct with the lender, or through us
Not published by Shift
early repayment, guarantees
Suitable purposes
VehicleEquipment

About Asset Finance

Shift publishes these details for Asset Finance: structure equipment loan; loan amount up to $2M; term up to 7 yrs; security varies; time trading 2+ years trading; turnover $250K+ annual turnover. Not published by Shift for this product: maximum LVR, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Shift products

  • Business Overdraft: Structure is equipment loan here and overdraft for Business Overdraft; loan amount is up to $2M here and $10K to $2M for Business Overdraft; term is up to 7 yrs here and up to 5 yrs for Business Overdraft; Shift publishes security (varies) for this product but not for Business Overdraft.
  • Equipment Line: Structure is equipment loan here and line of credit for Equipment Line; term is up to 7 yrs here and up to 5 yrs for Equipment Line; Shift publishes security (varies) for this product but not for Equipment Line; Shift publishes turnover ($250K+ annual turnover) for this product but not for Equipment Line.
  • Term Loan: Structure is equipment loan here and term loan for Term Loan; loan amount is up to $2M here and $25K to $2M for Term Loan; term is up to 7 yrs here and up to 5 yrs for Term Loan; Shift publishes security (varies) for this product but not for Term Loan.
  • Trade Account: Structure is equipment loan here and trade finance facility for Trade Account; loan amount is up to $2M here and up to $500K for Trade Account; Shift publishes term (up to 7 yrs) for this product but not for Trade Account; Shift publishes security (varies) for this product but not for Trade Account.

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More from Shift

Business Overdraft

Revolving business overdraft from $10K to $2M for managing cash flow, with the limit based on your linked bank data.

Amount
$10K to $2M
Term
Up to 5 yrs
Security
Not published
Rates and other criteria
Rate
14.95% to 24.95% p.a. (variable)
Repayments
Weekly, Monthly
Trading
Not published
Source dated 23 Sept 2026
Details for Shift Business Overdraft

Equipment Line

Revolving equipment line up to $2M over up to 5 years for new or second-hand equipment and fit-outs, with monthly repayments.

Amount
Up to $2M
Term
Up to 5 yrs
Security
Not published
Rates and other criteria
Rate
11.95% to 16.95% p.a. (fixed)
Repayments
Monthly
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Shift Equipment Line

Term Loan

Term loan from $25K to $2M over up to 5 years for any business purpose, such as capital projects or expanding premises.

Amount
$25K to $2M
Term
Up to 5 yrs
Security
Not published
Rates and other criteria
Rate
14.95% to 23.95% p.a. (variable)
Repayments
Weekly, Monthly
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Shift Term Loan

Trade Account

Trade account up to $500K that adds payment terms to supplier invoices, repaid in full on a chosen date or weekly for up to 20 weeks.

Amount
Up to $500K
Term
Not published
Security
Not published
Rates and other criteria
Rate
Rate available on application
Repayments
Weekly
Trading
Not published
Source dated 23 Sept 2026
Details for Shift Trade Account

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