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.
Company Size
201-500
Company Stage
Debt Financing
Total Funding
$559.6M
Headquarters
Sydney, Australia
Founded
2014
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