Want a Shift business loans alternative?

A Shift business loans alternative makes sense when your need is a single larger amount, you have property to secure it, and the money will come back in one hit. Shift is built around trade credit and revolving tools for established businesses, plus an unsecured term loan. BizLoansFast does one thing: short-term business lending backed by property, for anything from $20,000 up to $5,000,000, approved fast and repaid at a clear exit.

Shift and GetCapital: one lender, two names

If you remember GetCapital, you already know Shift. Its website says GetCapital rebranded to Shift on 26 October 2021, after growing from its 2014 start into a credit and payments platform for Australian businesses. The old getcapital.com.au address now forwards to shift.com.au, so searches for either name end up in the same place.

What does Shift’s range cover, according to its website?

Shift’s website (as at October 2026) sets out five business products, each aimed at a particular kind of spending.

For its term loan, Shift’s site lists eligibility as an Australian ABN, two years or more of trading and minimum annual turnover of $250,000. It says the funds are transferred the day the loan agreement is signed and should arrive the next business day, and that there are no early repayment fees.

Trade credit or a lump sum: which problem are you solving?

Trade credit solves a timing problem with suppliers, whereas a lump-sum loan solves a funding gap for a specific purpose. The two often get confused.

With a trade account, you upload a supplier invoice, Shift pays the supplier on the date you choose, and you repay over a set period. That is a neat fit for recurring purchases of materials and stock, where the issue is simply that suppliers want paying before customers pay you.

A one-off need is different. Clearing a tax debt, buying out a partner, funding the deposit on a premises or carrying a big project until the final claim is paid: these are single amounts with a single repayment date. That is the territory where a property-secured loan works well.

When is a property-secured loan the better Shift business loans alternative?

A property-secured loan is the stronger alternative when the security and the exit are clearer than the trading history. Some common cases:

• The business is young. Shift’s term loan lists two years of trading. We look first at the property and the exit, so a newer business with a director’s property behind it can still borrow.
• The financials are behind. On some property-secured deals we need no business financials.
• The credit file has marks on it. An old default, an earlier ATO debt or a recent no from the bank does not rule you out.
• You want no regular repayments. Interest can be prepaid or capitalised, and the principal is repaid at the exit.
• You need it before a valuer could even visit. We never order a valuation. We look at the property ourselves and give you an answer, often the same day.

For bigger stock buys, our loan to buy stock page shows how property can fund a seasonal order. For machinery or vehicles, see fast asset finance for business. If you are buying or refinancing commercial premises, start with fast commercial loans.

What do we look at instead of turnover?

We size and approve a loan on three things: the property, the purpose and the exit. For the property, we want the address, who owns it, what is owed on it and your view of its worth. For the purpose, we want to know exactly where the money goes, ideally with the creditor’s figure or the supplier’s quote. For the exit, we want the event that repays us and how far along it is, such as a signed sale contract, a refinance in progress or a confirmed payment date. Bank statements and trading figures still help, but they do not set the ceiling.

Shift term loan and BizLoansFast compared

Can you use both?

Yes, and plenty of businesses do. Keeping supplier terms running for everyday purchases while using a short property loan for one event is a sensible split. The one thing to watch is stacking: if regular repayments across several facilities are starting to choke cash flow, a single property loan that clears every one of them can reset things. Our business loans for any purpose page covers the range of uses, and you can send us the details in about a minute.

Illustrative example

Illustrative example: a landscaping supplies business has an ATO debt of $150,000 and wants to clear it before the busy season, while keeping its supplier terms in place. The owners have a factory unit worth around $1,300,000 with $480,000 owing. We lend $170,000 by second mortgage, pay the ATO directly at settlement and capitalise the interest for nine months. The business keeps its trade terms running, and the loan is cleared when the owners refinance the factory with their bank after lodging the year’s accounts.

Your next step

Enquiring costs nothing and runs no credit check, and we do not hand your details on to a string of other lenders. A person with years in urgent property-backed lending reads it and replies fast, and if the deal does not suit us, you hear that straight away. Give us accurate answers on the form, especially the property and the plan to repay, so we get it right first go. Make a fast business loan enquiry, ring 1300 852 150, or see the cash flow lenders Australia list and the compare hub for other options.

Names are trademarks of their owners. BizLoansFast is not affiliated with any lender named on this page. Lender details are summarised from each lender's own website as at October 2026 and can change — check with the lender directly.

Written by the BizLoansFast lending team · Updated 2026-10-06