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The Business Loan Store

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.

From lender's website, 23 Sept 2026
Amount
$25K to $2M
Term
Up to 5 yrs
Rate
14.95% to 23.95% p.a. (variable)
Security
Not published

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
Security
Not published
Structure
Term loan
Fees
Establishment fee of up to 4% of the loan amount ยท 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
Guarantees
Not published
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
Suitable purposes
GrowthSomething else

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

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
Rate
14.95% to 24.95% p.a. (variable)
Repayments
Weekly, Monthly
Trading
Not published
From lender's website, 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
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

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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