Lender panel
Shift through Lyft Money
Shift is an Australian business finance platform offering trade accounts, business overdrafts and asset finance to small and medium enterprises. It connects to accounting and banking data to assess and monitor facilities on an ongoing basis, and is known for combining supplier payment terms with a revolving overdraft so a business can manage purchasing and cash flow together.
Lyft Money is an independent broker. Shift is one of 18+ lenders on our panel; we are not Shift and do not speak for them. Product details change — your broker confirms current terms before anything is submitted.
| Typical amounts | $10,000 – $1,000,000 |
|---|---|
| Typical speed | Commonly one to five business days |
| Products we place | Business overdraft, Trade finance, Business line of credit, Equipment loan |
| Website | shift.com.au |
Where Shift is strong
- Trade payment terms and a revolving overdraft under one platform
- Data-driven assessment using accounting and banking connections
- Asset finance available alongside working capital facilities
Things to weigh up
- Requires connecting accounting and banking data for assessment and review
- Limits are dynamic and can be adjusted as trading data changes
- Cost sits above bank overdraft pricing for equivalent limits
Shift's approach is continuous rather than point-in-time: by reading accounting and banking data on an ongoing basis, it can size and review a limit as the business trades, rather than reassessing from scratch each year. For businesses with steady data and reasonable bookkeeping, that usually means less friction.
The flip side is that limits can move with the data, so a quiet quarter can affect available capacity. We make sure clients understand that before relying on a dynamic limit for a critical payment, and we look at whether a fixed facility would be safer for that purpose.
Key terms
Shift business overdraft
A revolving limit attached to a business account that can be drawn and repaid as needed, with interest charged on the drawn balance.
Shift trade account
A facility that pays suppliers and gives the business extended payment terms, managed alongside its other Shift facilities.