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

4.8

Average rating in the Apple app store

Trade Blended Hero with Video Poster

10K+

Join over 10,000 happy Zip Business users

4.8

Average rating in the Apple app store

Choose the account that suits you best

Zip Business Trade Logo Zip Business Trade

$1,000 – $3,000

Great for everyday and unexpected expenses with quick funds and flexible repayments.
Always interest free
Pay each month’s closing balance by the end of the following month and we’ll waive the $20 monthly account fee1

Flexible repayment options with a $200 minimum monthly repayment
Settle invoices & bills with BPAY*

Decision in minutes
Zip Business Trade Plus Logo Zip Business Trade Plus

$3,000 – $150,000

Perfect for larger expenses like supplies, equipment and services to help your business grow.
Always interest free
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%1

Settle invoices & bills with BPAY*

Tap to pay instore, or pay with a single-use card online everywhere Visa is accepted^
Decision within 1 business day
Zip Business Trade Approved Mobile Image

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

Zip Business Trade Block Hero Image Square

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

Zip Business Trade Choose Your Amount

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.

Zip Business Trade BPAY

Flick your bills,
pay later

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

Zip Business Trade Shop At All Your Faves

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.

Zip Business Trade Plus Single Use Card

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.

Zip Business Trade Plus Tap To Pay

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.

Apply for Trade

Up to $3,000

Apply for Trade Plus

Up to $150,000

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Get Zip, get growing.

Let your customers pay using Zip and reach a whole new set of customers.

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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

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'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.
Zip Business Trade Plus 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.

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 monthly account keeping fee of $20, however this will be waived if you pay each month’s closing balance by the end of the following month.

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 are no extension fees if you repay any transaction by the end of the following month. Or automatically move to a repayment plan of 4 equal monthly repayments with a one-off extension fee of 4%.

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.
Yes, there is a daily spend limit of up to $5000.
Learn more about Trade or Trade Plus
1Zip Business Trade - Minimum monthly repayments are required. A monthly account fee of $20 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. Zip Business Trade Plus - Up to 60 days fee free per transaction. Unless you 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 4% fee for providing the repayment plan. You must then repay the transaction amount and the 4% 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
*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.