Shift

Shift

Revolving SME credit via streaming data

Overview

Shift is an Australian financial technology provider that offers credit and payment products to small and medium-sized businesses. It works by streaming bank transaction data from a business’s accounts and using proprietary credit models to continuously monitor cash flow and creditworthiness, instead of relying on periodic statements. This enables revolving, limit-based facilities such as a business overdraft, equipment finance, and trade finance, where funds can be drawn and repaid as needed with dynamic credit limits. Shift differentiates itself by applying real-time cash-flow insights to extend ongoing access to capital, rather than fixed-term loans, and by delivering these services through digital channels and partner networks. The company’s goal is to help Australian SMEs manage cash flow, acquire assets, and streamline trade by providing flexible, accessible financing as they grow.

About Shift

Simplify's Rating
Why Shift is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Data & Analytics

Enterprise Software

Fintech

Financial Services

Company Size

201-500

Company Stage

Debt Financing

Total Funding

$559.6M

Headquarters

Sydney, Australia

Founded

2014

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Simplify's Take

What believers are saying

  • Open Banking integration enables faster, accounting-grade credit decisions across 100-plus banks.
  • The $200 million Business Overdraft securitisation expands non-bank funding capacity.
  • Broker partnerships broaden distribution and increase access to SME borrowers.

What critics are saying

  • Bank-data dependencies create a single-point failure for originations and limit changes.
  • Broker marketplaces intensify price competition and weaken direct customer control.
  • Future securitisation setbacks would raise funding costs and constrain balance-sheet growth.

What makes Shift unique

  • Streaming bank data drives real-time underwriting and dynamic credit limits.
  • Shift offers revolving overdrafts, equipment finance, and trade finance together.
  • The platform serves 30,000-plus Australian SMEs through digital and broker channels.

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Funding

Total Funding

$559.6M

Above

Industry Average

Funded Over

8 Rounds

Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Debt Funding Comparison
Coming Soon

Benefits

Parental Leave

Flexible Work Hours

Hybrid Work Options

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

0%

2 year growth

2%
Fast Funding Solutions
Apr 21st, 2026
Fast Funding 4U and Shift: A partnership to move your business forward.

Fast Funding 4U and Shift: A partnership to move your business forward. Choosing the right financial partner is a critical decision that can accelerate your business growth. A great lender offers the flexibility and speed you need to seize opportunities, while the wrong one can create delays and frustration. That is why Fast Funding 4U Pty Ltd is selective about its partners. Fast Funding 4U Pty Ltd is excited to showcase its collaboration with Shift, a true innovator in the Australian business finance space. This partnership unites its streamlined, digital application with Shift's powerful and flexible funding platform. For you, this means a faster, smarter, and more adaptable way to access the capital you need to run and grow your business. This article will introduce you to Shift and explain how its partnership directly benefits you. Want Simpler, faster and fairer funding? Contact Fast Funding 4U to discuss its flexible financing options with an expert broker. Who is ScotPac? For over 30 years, ScotPac has been a leading force in business finance. They have a long and successful history of providing working capital and asset finance solutions to small, medium, and large businesses across Australia and New Zealand. Their reputation is built on a deep understanding of business needs and a commitment to providing flexible, practical funding. ScotPac specializes in looking beyond the balance sheet. They are known for their ability to fund businesses based on the strength of their assets and cash flow, not just their property ownership. This makes them a vital partner for companies in all stages of their lifecycle, from rapidly growing startups to established enterprises. They are more than just a lender. They are a strategic partner focused on fueling your business's momentum. Find out more about its lending panel at fastfunding4u.com.au. The benefits of its partnership for you. Its partnership with ScotPac is designed to give your business a competitive edge. By integrating its streamlined digital platform with ScotPac's extensive product suite, Fast Funding 4U Pty Ltd deliver a superior financing experience. Here are the key advantages you can expect. Access to a broad range of finance solutions. One of the greatest benefits of this partnership is the sheer breadth of ScotPac's offerings. They provide a comprehensive range of solutions that go beyond standard asset finance. While you can secure a chattel mortgage or lease for vehicles and equipment, ScotPac can also support your business with invoice finance, trade finance, and lines of credit. This holistic approach is a game changer. Imagine you finance a new piece of machinery through its platform with ScotPac. As your business grows, you might face a cash flow crunch waiting for customers to pay their invoices. Because you already have a relationship with ScotPac, you can more easily access their invoice finance solutions to unlock the cash tied up in your accounts receivable. This integrated support helps you manage your business more effectively. Competitive rates from a market leader. Managing costs is crucial for every business. The interest rate on your finance directly affects your monthly expenses and long term profitability. As the region's largest non-bank lender, ScotPac has the scale and expertise to offer very competitive rates and terms. Through its platform, you can see a clear comparison of ScotPac's offer against others. This transparency ensures you are making a fully informed decision. Fast Funding 4U Pty Ltd help you secure funding that is not only flexible and fast but also cost effective, directly benefiting your bottom line. A faster process with expert backing. In business, you need to move quickly when opportunities arise. A slow, bureaucratic loan process can mean missing out on a critical asset purchase. Its partnership with ScotPac is engineered for speed and efficiency. Fast Funding 4U Pty Ltd combine a simple digital application with ScotPac's experienced credit team to get you answers fast. You start with its straightforward online form, which takes just a few minutes. Fast Funding 4U Pty Ltd then securely transmit your details to the ScotPac team for a prompt review. Their deep industry experience allows them to assess applications quickly and with a commercial mindset. This accelerated process gives you the certainty you need to negotiate with suppliers and move your business forward without delay. Finance for a wide array of assets. ScotPac provides funding for an extensive range of business assets, supporting companies across nearly every industry. Whether you are in transport, manufacturing, construction, agriculture, or professional services, they have a solution for you. They are known for their flexible approach to the assets they fund, including new and used equipment. This includes everything from trucks and trailers to earthmoving machinery, IT hardware, and specialized medical equipment. Their willingness to consider a diverse range of assets gives you greater freedom to acquire the specific tools you need to operate and grow. You can explore their capabilities on the ScotPac website, https://www.scotpac.com.au/. Support from experienced business finance specialists. While its platform provides a convenient digital experience, Fast Funding 4U Pty Ltd understand the importance of expert human support. ScotPac's team is composed of seasoned finance professionals who understand the real world challenges that businesses face. When you finance through its partnership, you gain access to this wealth of knowledge. Their specialists are available to provide clear explanations, answer your questions, and offer strategic guidance. They are focused on building long term relationships. This level of dedicated support ensures you feel confident and empowered throughout the entire financing process. How to access ScotPac through its platform. Getting a finance quote from ScotPac via Fast Funding 4U is a simple and seamless experience. The process begins with its quick online application. You provide some basic information about your business and the funding you require. Its smart platform then matches your request with suitable lenders from its extensive panel, which includes ScotPac. You will have the ability to review and compare the tailored offers presented to you in real time. If a ScotPac solution is the right fit for your business, Fast Funding 4U Pty Ltd will guide you through the easy next steps. The entire journey is designed to be as smooth as possible, freeing you up to focus on what you do best. Take the next step today. Choosing the right financial partner can be a turning point for your business. Its collaboration with ScotPac offers an outstanding combination of speed, flexibility, and comprehensive support. You get the convenience of its digital platform alongside the deep expertise and broad product range of a market leader. This powerful alliance is designed to help you secure the funding you need to achieve your ambitions. If you are ready for a smarter, more holistic approach to business finance, apply through its platform today. Discover how its partnership with ScotPac can help you unlock your business's full potential.

SISS Data Services
Nov 30th, 2025
Shift has selected ACSISS, by SISS Data Services as its banking data provider, using Open Banking to streamline credit decisions for Australian businesses

Shift has selected ACSISS, by SISS Data Services as its banking data provider, using Open Banking to streamline credit decisions for Australian businesses. SISS Data Services ("SISS") is proud to announce its partnership with Shift, a leading provider of credit and payment products to Australian businesses. Shift has appointed SISS to deliver secure bank data feed services for its customers, supporting Shift's revolving product suite. Open Banking is the engine behind the ACSISS's reach across 100+ banks, allowing Shift to pull secure transaction data on demand and turn it into faster, smarter credit decisions. "Shift has a unique product capability and market leading user experience," said Grant Augustin, Founder & CEO of SISS Data Services. "Our job is simple, give Shift the reliable, accounting-grade data they need to back every decision with confidence, without slowing down the customer journey." "Our focus is on supporting Australian businesses with ongoing access to financial products tailored to their needs," said Jamie Osborn, CEO of Shift. "Partnering with SISS helps us deliver with more agility, to provide ongoing credit to our customers." Open banking in Australia is part of the federal pro-competition Consumer Data Right (CDR) regime which went live in banking in 2020. About SISS Data Services SISS Data Services specialises in the provision of high quality, high reliability bank data feeds and associated support services via its ACSISS product suite. Sourcing data through direct bank connections and Open Banking, SISS provides customer bank data feeds to B2B platforms, with a particular focus on those requiring 'accounting-grade' data, such as accounting, ERP and business lending platforms. Founded in 2011, SISS is headquartered in Sydney, Australia and has operations in New Zealand. SISS is ISO 27001 certified and an Accredited Data Recipient under the Australian Consumer Data Right. About Shift Shift's range of credit and payment products enables businesses to take control of their cashflow, purchase assets, streamline trade terms and choose the right financial products for their ever-changing needs. Shift provides financial certainty to businesses so they can operate and grow.

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