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Shift 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.

Equipment & Asset Finance
Source dated 23 Sept 2026
Amount
Up to $2M
Term
Up to 5 yrs
Rate
11.95% to 16.95% p.a. (fixed)
Security
Not published
Enquire about this product

Product details

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

Loan amount
Up to $2M
Rate
11.95% to 16.95% p.a. (fixed)
Rate type
Fixed
Term
Up to 5 yrs
Structure
Line of credit
Fees
No establishment fees · No annual fees
Repayment frequency
Monthly
Time trading
2+ years trading
Funding time
Limits under $500K can be approved within hours, with no paperwork
Restrictions
Equipment purchases over $2,000, new or second-hand, incl. technology and fit-outs; 120-day fit-out repayment deferral
How to apply
Direct with the lender, or through us
Not published by Shift
security, early repayment, turnover, documents, guarantees
Suitable purposes
Equipment

About Equipment Line

Shift publishes these details for Equipment Line: structure line of credit; loan amount up to $2M; term up to 5 yrs; time trading 2+ years trading; funding time limits under $500K can be approved within hours, with no paperwork; suitable purposes equipment. Not published by Shift for this product: security, maximum LVR, turnover, documentation, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Shift products

  • Asset Finance: Structure is line of credit here and equipment loan for Asset Finance; term is up to 5 yrs here and up to 7 yrs for Asset Finance; security is published for Asset Finance (varies) but not for this product; turnover is published for Asset Finance ($250K+ annual turnover) but not for this product.
  • Business Overdraft: Structure is line of credit here and overdraft for Business Overdraft; loan amount is up to $2M here and $10K to $2M for Business Overdraft; Shift publishes time trading (2+ years trading) for this product but not for Business Overdraft; documentation is published for Business Overdraft (linked bank account data; financials are assessed for limits of $500K and above) but not for this product.
  • Term Loan: Structure is line of credit here and term loan for Term Loan; loan amount is up to $2M here and $25K to $2M for Term Loan; turnover is published for Term Loan ($250K+ annual turnover) but not for this product; documentation is published for Term Loan (under $500K: application form and 6 months bank statements. $500K+: also financial statements and an ATO portal snapshot) but not for this product.
  • Trade Account: Structure is line of credit 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 5 yrs) for this product but not for Trade Account; Shift publishes time trading (2+ years trading) for this product but not for Trade Account.

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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
Rates and other criteria
Rate
From 7.95% (annual percentage rate)
Repayments
Monthly
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Shift Asset Finance

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

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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