Freedom starts with fairer cash flow.
Up to $150,000 interest free – it’s buy now, pay later, made for business.
10K+
Join over 10,000 happy Zip Business users

10K+
Join over 10,000 happy Zip Business users
Choose the account that suits you best

Apply for funds fast
Don’t wait forever to get your cash flow sorted. Apply for up to $150,000 in minutes and get a decision in 1 business day. We look at your business performance and combine fraud prevention technology with real-time data analytics to get the funds into your hands sooner.1

No interest,
simple fees
With Zip Business Trade accounts, you’ll never pay interest, ever. Our fees are clear and simple, so you know what to expect with no surprises.1

Repay your way
We know some months are better than others. That’s why we build flexibility into every plan, with no penalties for early repayments.

Flick your bills,
pay later
Settle invoices & bills with BPAY now, and easily pay them off later.*

Shop at all your faves
Get what your business needs now at over 35,000 suppliers who accept Zip, from Bunnings to Officeworks and many, many more. Find a store.

Shop just about everywhere online
With Zip Business Trade Plus, you can now buy online for your business everywhere Visa is accepted^. Simply create a single-use digital Visa card and shop away. No Zip at checkout online? No problem.

Don't ask, just tap it
With Zip Business Trade Plus, simply add a digital Zip Business card to your phone’s digital wallet and pay instore with one tap of your device, everywhere Visa is accepted^. No need to ask, just Zip it.
We know some months are better than others. That’s why we build flexibility into every plan, with no penalties for early repayments.
Up to $3,000
Up to $150,000
Get Zip, get growing.
Let your customers pay using Zip and reach a whole new set of customers.
Real help, right here.
Get help from our Aussie team who get your business.
Call us on (02) 8294 2345 (opt 3) Mon to Fri
or email [email protected]
FAQs
There's a $20 monthly account keeping fee, but this is waived if you pay each month’s closing balance by the end of the following month. There's a minimum monthly repayment amount of $200 and you have the flexibility to repay over weekly, fortnightly or monthly repayments.
Repay any transaction by the end of the following month and there’s no extension fee. Or automatically move to a repayment plan of 4 equal monthly repayments with a one-off extension fee of 4%.
To be eligible to apply, you need:
- To be the business owner or company director
- To have an active ABN or ACN
- 6+ months in business
- More than $5,000 in monthly sales
There's a 1.95% invoice and BPAY processing fee if you choose to pay using these methods.
There's a late fee of $25, calculated monthly, if you don’t pay the minimum amount by the due date.
We may charge you a bank dishonour fee to cover costs involved if a payment is rejected due to insufficient funds or incorrect details.
We do not charge establishment fees, early repayment fees, annual fees, paper statement fees, account closure fees, credit limit increase fees, or any other hidden fees.
There's a 1.95% invoice and Bpay processing fee if you choose to pay using these methods.
There's a late fee of $25, calculated monthly, if you don’t pay the minimum amount by the due date.
We may charge you a bank dishonour fee to cover costs involved if a payment is rejected due to insufficient funds or incorrect details.
We do not charge establishment fees, early repayment fees, annual fees, paper statement fees, account closure fees, credit limit increase fees, or any other hidden fees.
*Payments may take up to 3 business days to reach your biller. Certain biller exclusions apply including but not limited to credit institutions, gambling, share trading, personal loans and DEFT rent. A processing fee will be payable for each bill and invoice processed through Zip. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment.
^Available with Zip Business Trade Plus only. Use the Zip Business Tap to pay card everywhere Visa contactless payments are accepted instore and single use cards everywhere Visa is accepted online. Card T&Cs apply. VISA is a trademark owned by Visa International Service Association and used under license. Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google and Google Pay are trademarks of Google LLC.