Initially incorporated as GetCapital in 2014, the company rebranded in October 2021 as Shift with the vision to provide businesses with financial assistance on demand. Backed by streamlined data, the company offers a better way for Australians to access funds, trade, and pay. By registering once with Shift, your business can get access to a wide range of payment and credit solutions. Some of the services offered include trade account, growth capital, equipment payment options, overdraft, etc

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    Financial Services

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Pros & Cons-Shift


  • Strict lending policies.
  • Signup Fees.
  • Strict Age Restrictions.
  • Customer Support.


  • Home Loan for Self-Employed.
  • High Property Value for First Home Buyers.

About Shift Finance

Initially, the organisation was established as GetCapital in 2014, and later, in 2021, it was rebranded as Shift Capital. It was founded to provide businesses with instant finance to comprehend business requirements. Shift offers a more enhanced way for Australian firms to trade, pay, and access funds through streaming data.

The Shift has kept the entire process of getting funding quick and hassle-free to offer the utmost customer convenience. Businesses only need to register once with Shift, one of Australia's fastest-growing digital companies, to access a variety of credit and payment alternatives. The premium range of business services includes an overdraft facility, options for equipment payments, capital for expansion, and a trade account to pay suppliers.

Features and Benefits of Shift

When you count on Shift Finance to cater to versatile business needs, you unlock the door to several features and benefits.

  1. It is a one-stop shop for all your business requirements.
  2. Offers secure online banking services to manage business transactions.
  3. Fund transfers with utmost ease.
  4. Shift business loans are available without paperwork, with interest rates between 11.95% and 19.95%.
  5. Offers flexible weekly and monthly repayment options to business loan borrowers.
  6. Access statements to understand incoming and outgoing transactions.
  7. Business overdraft facility to manage cash flow in a better way.
  8. Term loan for business growth and expansion purpose.
  9. Account holders get an equipment line specifically designed for equipment and fit-out purchases.
  10. Allows customers to open a trade account for paying invoices and choosing payment terms as per their own preference.
  11. Shift provides customers with Shift Payment Solutions through Shift Trade and Shift Equipment.

Services Offered by Shift Finance

Shift Finance aims to offer products and services in no time. To attain this objective, it has kept the process minimal and straightforward. All you have to do is register with Shift, link your accounts and get funding the same day. Here is the list of services that you get with Shift Finance:

Business Accounts

Shift offers a trade account to business professionals that can be used to pay invoices, schedule repayments, manage transactions, etc. Additionally, you can get an account limit of up to $500,000 same day to release payments through invoices. Account holders can perform all these tasks from the comfort of their homes through the Shift online banking services.

Business Loans

Shift offers paperless loans to business organisations. With business loans, all business requirements are filled quickly and make invoice payments. Shift business loans are available at competitive interest rates ranging from 11.95% to 19.95%.

Equipment Line

Shift Equipment Line offers funds for equipment and fit-out purchases. With access to these funds, you can expand your business without interruption. Get instant funding of up to $1 million with flexible monthly repayment over five years. Shift offers equipment finance at attractive interest rates of 15.95%. The Equipment Line comprises three premium products: equipment finance, vehicle finance and fit-out finance.

Other Services

  • Financial Advice
  • Business Support Service
  • Payment Solutions
  • Term Loan
  • Business Overdraft

Types of Accounts in Shift

Shift finance offers only trade finance for business organisations. Through Shift Trade Accounts, business organisations can easily make payments per their own terms.

Trade Account:

Open a trade account with Shift and pay all your suppliers in one go with your terms. It comes with a specified limit ranging between $2,000 to $500,000. Additionally, it allows the account holder to pay the amount in instalments within a tenure of up to 20 weeks. You don't have to pay any establishment fee or annual fee to enjoy the benefits of this distinct account. However, you may have to pay a transaction fee ranging from 0% to 9.99%.

Shift Contact Details / Customer Service

If you have any queries regarding Shift Finance, get in touch with the customer care executive and get an instant solution. All you have to do is, drop an email or call them on the given numbers.

For Enquiries

Drop a Mail: [email protected]

Or Call on 1300 249 649

Get in Touch with the Customer Care

Via Mail: [email protected]

Via Call: 1300 249 649

To Get Financial assistance

Speak to the experts at 1300 249 649, or drop a mail at [email protected]

Frequently Asked Questions

How does Shift work?

The Shift has user-friendly finance and offers every product and service at your convenience. All you need to do is, open an account with Shift. As soon as you open a Shift account, the dedicated Account Manager gets in touch with the account holder. You must answer a few questions to set up your account and get the limit. And that is it. Your account setup is done. Now, transfer funds to your linked account and make payments.

How do I contact Shift?

The customer care executives are readily available to resolve your queries. To contact Shift, you need to drop a mail at [email protected] or call 1300 249 649.

Why use us?

The customised financial services from UrbanMoney Oceania caters to the varying requirements of the applicant on their fund procurement journey.

Low interest rates

The intricate online model ensures the best interest rates are offered to the customers. The services aim to diminish the overhead costs.

Urban Money Oceania Exclusive Deals

The customers can avail of various exclusive offers available to the customers by UrbanMoney Oceania designed to cater to their budgetary needs.

Australian based support team

Our support team offers tailor-made services to customers intending to conclude loan transactions without any hassle. Available to customers at their convenience.


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