Non-bank SME lender
Shift
Shift is a non-bank lender offering term loans and overdrafts to Australian small and medium businesses. Check whether Shift fits your client's scenario before you call.
Products
Term loan
Overdraft
Lender overview
Shift business overdrafts and term loans
About Shift
Shift is an Australian provider of credit and payment products for businesses. It was founded in 2014 as GetCapital and is based in North Sydney.
How Shift lends
Shift lends across working capital, asset finance and trade credit, with a technology-enabled, relationship-focused approach for small and medium businesses. It also offers embedded finance for suppliers and other platforms.
Shift products
Business Overdraft: a revolving working capital limit linked to the business's transaction account.
Term Loan
Trade Account: trade credit for buying from suppliers.
Equipment Line and Asset Finance
Working with Shift as a broker
Shift works with brokers as partners, with a Broker and Partner login and a broker directory. It has won CAFBA Fintech of the Year, voted by brokers, four years in a row.
What your client will usually need
Active ABN
Details of the business transaction account, for the overdraft
Is Shift the right fit for your client?
Loan amounts, terms, minimum trading history and turnover change over time, and every lender sets its own policy on credit, industry and security. Enter your client's scenario in Visro to see whether Shift fits today and how it compares with the rest of the panel. Lenders can't pay to rank, so results reflect policy alone.
Shift FAQs
Is Shift the same as GetCapital?
Yes. Shift was founded in 2014 as GetCapital.
Does Shift offer a business overdraft?
Yes, alongside term loans, trade accounts and equipment finance.
Does Shift work with brokers?
Yes. It has a dedicated broker channel and partner login.
Similar lenders on Visro
Sources
Information on this page is general, is based on Shift's public materials and industry news, and was last reviewed in November 2026. It may change. Always confirm current products and terms with Shift.
The answers, already written down
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Lender names, logos and trade marks belong to their respective owners and are used only to identify the lender. Inclusion on Visro does not mean a lender endorses Visro or has a commercial relationship with us. Product information is general, may change, and is not an offer or recommendation of credit. Always confirm details with the lender. Visro does not provide credit assistance or financial advice.