Skip to content
The Business Loan Store
Shift logo

Shift 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.

Trade FinanceStock & Inventory FinanceWorking Capital Finance
Source dated 23 Sept 2026
Amount
Up to $500K
Term
Not published
Rate
Rate available on application
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 $500K
Rate
Rate available on application
Structure
Trade finance facility
Fees
No establishment or account keeping fee · Transaction fee based on invoice amount and repayment term · No transaction fee for 14-day terms (eligible transactions)
Repayment frequency
Weekly
Documents
ABN, Australian mobile number, driver's licence or passport, and Australian bank account details
Restrictions
All directors must register. Trade terms can be added to almost any supplier invoice
How to apply
Direct with the lender, or through us
Not published by Shift
rate type, term, security, early repayment, time trading, turnover, guarantees, funding time
Suitable purposes
StockCash flow

About Trade Account

Shift publishes these details for Trade Account: structure trade finance facility; loan amount up to $500K; documentation aBN, Australian mobile number, driver's licence or passport, and Australian bank account details; suitable purposes stock, Cash flow. Not published by Shift for this product: term, security, maximum LVR, time trading, turnover, funding time. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Shift products

  • Asset Finance: Structure is trade finance facility here and equipment loan for Asset Finance; loan amount is up to $500K here and up to $2M for Asset Finance; term is published for Asset Finance (up to 7 yrs) but not for this product; security is published for Asset Finance (varies) but not for this product.
  • Business Overdraft: Structure is trade finance facility here and overdraft for Business Overdraft; loan amount is up to $500K here and $10K to $2M for Business Overdraft; term is published for Business Overdraft (up to 5 yrs) but not for this product; documentation is aBN, Australian mobile number, driver's licence or passport, and Australian bank account details here and linked bank account data; financials are assessed for limits of $500K and above for Business Overdraft.
  • Equipment Line: Structure is trade finance facility here and line of credit for Equipment Line; loan amount is up to $500K here and up to $2M for Equipment Line; term is published for Equipment Line (up to 5 yrs) but not for this product; time trading is published for Equipment Line (2+ years trading) but not for this product.
  • Term Loan: Structure is trade finance facility here and term loan for Term Loan; loan amount is up to $500K here and $25K to $2M for Term Loan; term is published for Term Loan (up to 5 yrs) but not for this product; time trading is published for Term Loan (2+ years trading) but not for this product.

Want us to do the searching?

Tell us about your business. A business finance specialist can help you narrow down your options, saving you time and helping you avoid unnecessary applications.

Get matched

Getting matched does not involve a credit enquiry

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

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

Similar products from other lenders

Invoice and trade financier

ScotPac Trade Finance

Trade finance facility for businesses funding stock, equipment or supplier purchases.

Amount
Not published
Term
Up to 5 mths
Security
Not published
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for ScotPac Trade Finance
Bank

Bendigo Bank Trade Finance

Trade advance funding for up to 180 days for import, export or domestic stock purchases, giving your business more cash flow flexibility.

Amount
Not published
Term
Not published
Security
Not published
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Bendigo Bank Trade Finance
Invoice and trade financier

Octet OctetTrade - Trade Finance

Trade finance for larger, profitable businesses to pay suppliers, with up to 120 days to repay.

Amount
Not published
Term
Up to 4 mths
Security
Not published
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for Octet OctetTrade - Trade Finance
Invoice and trade financier

Earlypay Trade Finance

Trade finance for businesses with outstanding invoices to other Australian businesses, to fund stock and cash flow.

Amount
Not published
Term
Not published
Security
Not published
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Earlypay Trade Finance

Start typing to search finance types, lenders, products and guides.