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The Business Loan Store

Shift Business Overdraft

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

From lender's website, 23 Sept 2026
Amount
$10K to $2M
Term
Up to 5 yrs
Rate
14.95% to 24.95% p.a. (variable)
Security
Not published

Product details

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

Loan amount
$10K to $2M
Rate
14.95% to 24.95% p.a. (variable)
Rate type
Variable
Term
Up to 5 yrs
Security
Not published
Structure
Overdraft
Fees
No establishment fee ยท Annual fee of $495 to $795
Repayment frequency
Weekly, Monthly
Early repayment
Pay out or make extra repayments at any time at no cost
Time trading
Not published
Turnover
Not published
Documents
Linked bank account data; financials are assessed for limits of $500K and above
Guarantees
Not published
Funding time
Limits under $500K can be approved within hours, with no paperwork
Restrictions
Revolving facility for up to 5 years
How to apply
Direct with the lender, or through us
Suitable purposes
Cash flow

More from Shift

Asset Finance

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

Amount
Up to $2M
Term
Up to 7 yrs
Security
Varies
Rate
From 7.95% (annual percentage rate)
Repayments
Monthly
Trading
2+ years trading
From lender's website, 23 Sept 2026
Details for Shift Asset Finance

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
Rate
11.95% to 16.95% p.a. (fixed)
Repayments
Monthly
Trading
2+ years trading
From lender's website, 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
Rate
14.95% to 23.95% p.a. (variable)
Repayments
Weekly, Monthly
Trading
2+ years trading
From lender's website, 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
Rate
Quoted on application
Repayments
Weekly
Trading
Not published
From lender's website, 23 Sept 2026
Details for Shift Trade Account

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From lender's website, 23 Sept 2026
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Dynamoney Business Overdraft

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From lender's website, 23 Sept 2026
Details for Dynamoney Business Overdraft

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