products that help them manage cash flow, purchase assets and streamline trade terms. Its platform brings the same level of digitisation that consumers experience in everyday financial services to the business world, enabling businesses to manage their finances with greater ease, flexibility and control.

One of Shift’s core technologies is its use of streaming financial data from business bank accounts. This allows the company to continuously monitor the financial health and cash flow performance of a business over time rather than relying primarily on periodic financial statements or collateral, which have traditionally been central to bank lending decisions.

This continuous monitoring enables Shift to offer revolving, limit-based credit facilities that provide customers with ongoing access to capital. Because credit decisions are informed by real-time financial data, credit limits can adjust dynamically as business performance evolves. Shift refers to this approach as continuous credit, where lending decisions evolve alongside the underlying health of the business.

Shift’s product suite includes business overdrafts, equipment finance and trade finance. Most products are structured as revolving facilities rather than fixed-term amortising loans, allowing businesses to draw and repay funds as needed.

Customers can access their approved credit limits digitally and draw funds on demand without needing to seek approval for each transaction, giving businesses greater control over how and when capital is used.

The company distributes its products through digital channels and intermediary partnerships including finance brokers and advisers. Since its founding in 2014, Shift has supported the growth ambitions of more than 30,000 Australian businesses and has funded more than AUD $5 billion in SME lending. Products and Services

Business Overdraft A revolving working capital facility that allows businesses to access funds as needed to manage cash flow and operating expenses.

Equipment Finance Asset finance used to purchase vehicles, machinery and business equipment.

Trade Finance Financing solutions that support the purchase of inventory and supplier payments.

Technology

Shift’s platform integrates streaming bank transaction data to continuously monitor business cash flow and financial performance.

This enables a model of continuous credit where revolving facilities and credit limits evolve alongside business performance.

Funding History

Shift has raised approximately AUD $90 million in equity funding from institutional investors and private investors.

Investors include Sequoia Capital India (now Peak XV Partners), which participated in the company’s growth funding.

The company has also secured more than AUD $1 billion in institutional lending facilities to support its SME lending activities.

Key Metrics

Customers served More than 30,000 Australian businesses

Total funding provided More than AUD $5 billion in SME lending

Employees Approximately 300

Equity funding raised Approximately AUD $90 million

Institutional lending capacity More than AUD $1 billion