“Can a single SME-focused fintech become the default credit and payments infrastructure for Australian small businesses by building proprietary data models for better credit decisioning?”
Founded in 2014 in Sydney, Shift has focused exclusively on the underserved Australian SME market, offering a suite of credit and payment products including business overdrafts, equipment finance, asset finance, and trade/invoice payment accounts. The company has deepened its proprietary data and credit-decisioning infrastructure rather than pivoting to new verticals, and the 2024 ABS and Series D reflect a capital-markets-driven growth strategy to scale lending volume.
Shift's crypto products run on Zero Hash.
The Embedded Finance Index 2026 maps 2 layers in Shift's stack: Lending (BusinessOverdraft (working capital / line of credit), Equipment Line (equipment financing in instalments), AssetFinance (asset purchase — vehicles, equipment, machinery) and TradeAccount (invoice/trade payment financing)); Crypto (Zero Hash).
Shift is founded in 2014 and headquartered in Sydney, Australia.
Shift has raised AUD 35M+ (equity) + AUD 230M (ABS) in total (latest round: Series D, August 2024).
Get a read on where your own stack stands against Shift and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.