Buy now, pay later designed for business

Up to $150k interest free – the fairer way to manage cash flow.

How it works

  • Fast approval

    From $1,000 in minutes, up to $150,000 within 1 business day.

  • Get what you need

    Buy now, cover your expenses, grow your business

  • Transparent fees

    No application fee or hidden fees

  • Pay later, interest free

    Flexible repayment options and no interest, ever

All your business expenses in one place

Choose the account that suits you best

Zip Business Trade Logo Zip Business Trade

$1,000 – $3,000

Peace of mind with an account that covers everyday and unexpected spending with quick funding and flexible repayments.
Decision in minutes
Interest free - always
$200 minimum monthly repayment
$12 monthly fee, which we'll waive if you have zero balance.
Zip Business Trade Plus Logo Zip Business Trade Plus

$3,000 – $150,000

Suited to larger expenses like supplies, equipment and services to help your business grow.
Decision in 1 business day
Interest free - always
Fee free for up to 60 days, then switches to 4 equal monthly repayments with a 3% one-off extension fee.
Tap to pay everywhere you see the Contactless Symbol^

Don't ask, just Zip it.

Now you can tap to pay with
Zip Business Trade Plus

Shop at all your favourite stores

With over 35,000 partnered stores and more on the way, you can purchase anywhere you see the Zip logo.

FAQs

Zip Business Trade is a safe, simple line of credit, offering you the ability to buy now and pay later for all your business needs. You can spend up to your credit limit on goods and services and each transaction will draw down on your credit balance. When you repay the transactions, your credit balance will go back up.

There is a monthly account keeping fee of $12, however this is only charged when you have an outstanding balance at the end of the month. There is a minimum monthly repayment amount of $200 and you have the flexibility to repay over weekly, fortnightly or monthly repayments.
Zip Business Trade is a safe, simple line of credit, offering you the ability to buy now and pay later for all your business needs. You can spend up to your credit limit on goods and services and each transaction will draw down on your credit balance. When you repay the transactions, your credit balance will go back up.

You have up to 60 days to repay without incurring a fee or you can choose to extend over 4 monthly installments and pay a 3% one-off extension fee.

To be eligible to apply, you need:

  • To have an active ABN or ACN
  • 6+ months in business
  • More than $5,000 in monthly sales
There is a monthly account keeping fee of $12, however this is only charged when you have an outstanding balance at the end of the month.

There is a 1.95% invoice and Bpay processing fee if you choose to pay using these methods.

There is 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 are no fees if you repay within 60 days. If you choose to extend your repayments over 4 monthly installments, you pay a one-off 3% extension fee. If you have multiple orders outstanding, you can choose to pay off some within the first month, and to extend others over 4 months.

There is a 1.95% invoice and Bpay processing fee if you choose to pay using these methods.

There is 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.
Yes, there is a spending limit of up to $5000 per transaction.
Learn more about Trade or Trade Plus
#Credit approval criteria, fees and T&Cs apply
*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 card everywhere Visa contactless payments are accepted. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC