Quick answer
Shift provides business finance including overdrafts and lines of credit, trade finance and cash flow funding. If a new facility or a limit increase was declined, or the limit came back lower than expected, it usually reflects how the account and existing debts were assessed. Company Cash can lend $20,000 to $50,000 against property alongside your existing facility, with no valuation, no bank statements and no financials.
Key points
- Shift offers overdrafts, lines of credit, trade finance and cash flow funding.
- A limit increase is a fresh assessment, not a formality.
- Utilisation, peak usage and existing debts drive how high a limit goes.
- A one-off property-backed top-up can sit beside the limit you already have.
- Who Shift is
- Business finance provider
- Its main products
- Overdrafts and credit lines, trade finance, cash flow funding
- Typical sticking point
- Limit increase declined or capped
- Our alternative
- One-off $20k to $50k top-up against property
A revolving facility is brilliant until you hit the ceiling. Then the business is running flat against the limit, a bigger order comes in, and the request for more room comes back no, or comes back as less than you need. If Shift declined a new facility or a limit increase, or it’s still being worked through, this is about getting past the ceiling quickly.
Shift, briefly
Shift provides finance to Australian businesses, including overdrafts and lines of credit, trade finance and cash flow funding. Revolving facilities like these are reviewed against how the business trades and how it uses the money it already has access to.
Why revolving limits get capped
These are general features of how revolving business limits are set across the market. They aren’t a statement about Shift’s decision in your case.
Utilisation tells a story. A facility that’s drawn to the hilt every month, every month, can suggest the business is using it as permanent capital rather than a buffer. That makes lenders cautious about adding more.
The peak matters as much as the average. Revolving limits are built for the worst day. If your worst day keeps getting worse, the lender looks at that.
Turnover has to grow with the limit. A bigger limit usually needs bigger, steady turnover behind it. If sales are flat while costs rise, the room isn’t there.
Other debts compete. Equipment finance, vehicle loans and unsecured loans elsewhere all reduce the capacity for a larger limit.
A limit review is a fresh decision. Even with a good track record, an increase is assessed like new lending.
Next steps for the next 24 hours
- Separate the permanent need from the one-off. Is the business always short, or is this one container, one season, one big customer?
- Ask Shift what capped it. The answer tells you whether it’s fixable in a few months.
- Check your facility terms. Some agreements mention extra borrowing or security. Know what yours says before taking on more. ASIC’s page on unfair contract term protections is a handy background read.
- Look at property. Company-owned premises, a director’s home or an investment property opens the door to a separate, short top-up.
- Enquire once. Our 60-second enquiry doesn’t leave a mark on your credit file.
A top-up that sits beside your limit
Company Cash doesn’t replace a working capital facility. We do something narrower and faster: a one-off loan of $20,000 to $50,000 secured on residential or commercial property, up to 80% of residential or 70% of commercial value. No valuation. No bank statements, financials or tax returns. Bad credit, defaults and ATO debt are considered.
Because it sits on property, it doesn’t depend on how hard your existing limit is working. It covers the specific gap, then it’s repaid, from the extra sales it unlocked or by refinancing. Up to three months of interest can be prepaid, then weekly repayments. Quick in, quick out, and your existing facility keeps doing its normal job.
Example: a Dandenong food wholesaler
A food wholesaler in Dandenong South runs its overdraft near the limit most months. A supermarket group offers a trial range that needs $48,000 of extra stock and packaging before the first order ships. The request for a higher limit is declined because utilisation is already high.
The two directors own their warehouse unit with good equity. A $48,000 loan against it buys the stock, the trial ships, and the payments from the first orders repay it. The overdraft stays as it was. Figures are illustrative only.
Keep both lenders in the picture
If you take a property-backed top-up while keeping a revolving facility elsewhere, keep a simple calendar of both: when your limit is reviewed, when our weekly repayments run and when the big customer payment is due. Knowing all three dates stops surprises and makes the exit easy to hit.
When the bigger fix is the right one
If the business needs more room every single month, a one-off top-up only treats the symptom. Talk to your accountant about pricing, payment terms and whether a larger restructure fits. Our explainer on how much a company can borrow helps frame that conversation. But if the need is one order or one season, a short property-backed loan is often the quickest path.
Get over the ceiling
If Shift’s answer left you short for a specific order, tell us about it. It takes about a minute and there’s no credit check involved in enquiring, so your file stays exactly as it is. We’re the lender, not a broker, so your details won’t be sprayed across the market. A real person reads it and calls you. Accurate numbers on the property and existing debts let us give you a reliable answer quickly. See if you qualify →
Frequently asked questions
Why would a limit increase be declined when I've used the facility well?
Increasing a limit is usually a new credit decision. Lenders look again at turnover, how heavily the existing limit is used, other debts and credit history. Good conduct helps, but the numbers still have to support the larger amount.
Can I keep my existing Shift facility and borrow from Company Cash too?
Usually, yes. Our loan is secured on property, separate from any facility you have elsewhere. Check your existing facility's terms for anything about additional borrowing first.
Is $50,000 enough to make a difference for a wholesaler?
For a specific gap, often yes: a container deposit, a seasonal stock build or a couple of slow-paying customers. Our loans are $20,000 to $50,000, so they suit a defined shortfall rather than replacing a whole facility.
How quickly can it be in place?
Funding can happen in as little as 24 hours once approved. We don't need a valuation, which removes one of the slowest steps.