<h3>Apply for funds fast</h3>
<p>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.<sup>1</sup></p>

Apply for funds fast

<h3>No interest,<br/> simple fees</h3>
<p>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.<sup>2</sup></p>

No interest, simple fees

<h3>Repay your way</h3>
<p>We know some months are better than others. That’s why we build flexibility into every plan, with no penalties for early repayments.</p>

Repay your way

<h3>Flick your bills, <br/>pay later</h3>
<p>Settle invoices & bills with BPAY now, and easily pay them off later.<sup>*</sup></p>

Flick your bills, pay later

<h3>Shop at all your faves</h3>
<p>Get what your business needs now at over 35,000 suppliers who accept Zip, from Bunnings to Officeworks and many, many more. <a href="https://zip.co/au/shop">Find a store</a>.</p>

Shop at all your faves

<h3>Don't ask, just tap it</h3>
<p>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.</p>

Don't ask, just tap it

<h3>Shop just about everywhere online</h3>
<p>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.</p>

Shop just about everywhere online

<p class="book">We know some months are better than others. That’s why we build flexibility into every plan, with no penalties for early repayments.</p>
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    <a class="btn primary" href="https://start.zip.co/?pp=trade">Apply for Trade</a>
    <p>Up to $3,000</p>
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  <div class="SimpleText__Button">
    <a class="btn alternate" href="https://start.zip.co/?pp=tradeplus">Apply for Trade Plus</a>
    <p class="blue">Up to $150,000</p>
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Simple Repayments

<h3>Get Zip, get growing.</h3>
<p>Let your customers pay using Zip and reach a whole new set of customers.</p>

Get Zip, get growing. 

<h3>Real help, right here.</h3>
<p>
  Get help from our Aussie team who get your business.
  <br/>
  <br/>
  Call us on <a href="tel:0282942345">(02) 8294 2345</a> (opt 3) Mon to Fri
  <br/>
  or email <a href="emailto:trade@care.zip.co" target="_blank" rel="noopener noreferrer">trade@care.zip.co</a>
</p>

Real help, right here. 

<sup>1</sup>Credit approval criteria, fees and <a href="https://zip.co/au/page/business-terms-and-conditions" target="_blank" rel="noopener noreferrer">Trade T&Cs</a> or <a href="https://zip.co/au/page/trade-plus-terms-and-conditions" target="_blank" rel="noopener noreferrer">Trade Plus T&Cs</a> apply
<br/>
<sup>2</sup>ZIP Business Trade - Minimum monthly repayments are required. A monthly account fee of $20.00 applies. Pay your closing balance in full by the due date each month and we'll waive the fee. Credit approval criteria, fees and T&Cs apply
Repay any transaction by the end of the following month and there’s no extension fee. if you do not repay each transaction in full before the relevant due date, Zip will convert the transaction amount to a repayment plan on the due date and charge a 3% fee for providing the repayment plan. You must then repay the transaction amount and the 3% fee in four equal monthly instalments, with the first instalment due on the day the repayment plan is established. Credit approval criteria, fees and T&Cs apply.
<br/>
<sup>*</sup>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.
<br/>
<sup>^</sup>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.


FAQs

Apply now

Freedom starts with fairer cash flow.

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      Always interest free
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      Pay each month’s closing balance by the end of the following month and we’ll waive the $20 monthly account fee<sup>1</sup></p> 
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      Flexible repayment options with a $200 minimum monthly repayment
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      Settle invoices & bills with BPAY<sup>*</sup></p> 
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      Decision in minutes
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    <div class="Card__Name text-hidden">Always interest free</div>
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    <div class="Card__Name text-hidden">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 3%<sup>1</sup></p></div>
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    <div class="Card__Name text-hidden">Settle invoices & bills with BPAY<sup>*</sup></p></div>
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    <div class="Card__Name text-hidden">Tap to pay instore, or pay with a single-use card online everywhere Visa is accepted^</div>
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    <div class="Card__Name text-hidden">Decision within 1 business day</div>
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Choose the account that suits you best

The one trade account for all your business needs. Boost  your cash flow without a business credit card, with $1,000 up to $150,000 and no interest ever.