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Shift Term Loan

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

Business LoansWorking Capital Finance
Source dated 23 Sept 2026
Amount
$25K to $2M
Term
Up to 5 yrs
Rate
14.95% to 23.95% p.a. (variable)
Security
Not published
Enquire about this product

Product details

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

Loan amount
$25K to $2M
Rate
14.95% to 23.95% p.a. (variable)
Rate type
Variable
Term
Up to 5 yrs
Structure
Term loan
Fees
Establishment fee of up to 4% of the loan amount · No early repayment fees
Repayment frequency
Weekly, Monthly
Early repayment
No early repayment fees
Time trading
2+ years trading
Turnover
$250K+ annual turnover
Documents
Under $500K: application form and 6 months bank statements. $500K+: also financial statements and an ATO portal snapshot
Funding time
Funds sent the day you sign; should arrive the next business day
Restrictions
Australian ABN required
How to apply
Direct with the lender, or through us
Not published by Shift
security, guarantees
Suitable purposes
GrowthSomething else

About Term Loan

Shift publishes these details for Term Loan: structure term loan; loan amount $25K to $2M; term up to 5 yrs; time trading 2+ years trading; turnover $250K+ annual turnover; documentation under $500K: application form and 6 months bank statements. $500K+: also financial statements and an ATO portal snapshot. Not published by Shift for this product: security, maximum LVR, 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 term loan here and equipment loan for Asset Finance; loan amount is $25K to $2M here and up to $2M 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.
  • Business Overdraft: Structure is term loan here and overdraft for Business Overdraft; loan amount is $25K 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; Shift publishes turnover ($250K+ annual turnover) for this product but not for Business Overdraft.
  • Equipment Line: Structure is term loan here and line of credit for Equipment Line; loan amount is $25K to $2M here and up to $2M for Equipment Line; Shift publishes turnover ($250K+ annual turnover) for this product but not for Equipment Line; Shift publishes documentation (under $500K: application form and 6 months bank statements. $500K+: also financial statements and an ATO portal snapshot) for this product but not for Equipment Line.
  • Trade Account: Structure is term loan here and trade finance facility for Trade Account; loan amount is $25K 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

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

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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