Buy now, pay later designed for business

$1,000 to $150,000, interest free

How Zip Business Trade accounts work

  • Fast approval

    From $1,000 in minutes, up to $150,000 within 24 hours

  • Get what you need

    Buy now, cover your expenses, grow your business

  • Transparent fees

    No application fee or ongoing 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

Trade
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.
Interest free period
0% always
Ideal for
Everyday items, office supplies, social media ads and more
Decision time
In minutes
Minimum repayments
$200 minimum monthly repayment
Account fee
$12 per month waived if you have zero balance
Trade Plus
Zip Business Trade Plus

$3,000 – $150,000

The convenience of all your spending in a single account with up to 60 days at no cost and flexibility to repay over 4 monthly instalments.
Interest free period
0% always
Ideal for
Larger items, equipment, hire, inventory, bills, invoices and more
Decision time
In 24 hours
Repayments
No payments for up to 60 days, option to extend into 4 monthly instalments
Fee
No account fees or interest. One-off 3% extension fee, split over 4 instalments
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Zip Business Trade Plus

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Zip Business Trade and Zip Business Trade Plus 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. Zip Business Trade currently offers credit limits of $3,000.
Apply once and we’ll give you a decision within 10 minutes during business hours. If approved, you can use your account immediately to purchase wherever you see Zip at checkout.
Your Zip Business Trade account has a monthly account keeping fee of $12. However, this is only charged when you have an outstanding balance at the end of the month.

To be eligible to apply for a Zip Business Trade account, you need:

  • To have an active ABN or ACN
  • 6+ months in business
  • More than $5,000 in monthly sales
Zip Business Trade Plus is a safe, simple line of credit that allows you to buy now and pay later for all your business needs. Zip Business Trade Plus offers credit limits between $3,000 and $150,000, always with an interest free period.
Apply once and we’ll give you a decision within 24 hours during business hours. If approved, you can use your account immediately to purchase wherever you see Zip at checkout.
There are no fees if you repay any Zip Business Trade Plus order by the end of the month after purchase.

If you choose to extend your repayments over 4 monthly installments, you pay a 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 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 application, setup or establishment fees, annual fees, paper statement fees, account closure fees, credit limit increase fees, or any other hidden fees.
To be eligible to apply for a Zip Business Trade Plus account, you need:

  • To have an active ABN or ACN
  • 6+ months in business
  • More than $5,000 in monthly sales
Yes, there is a spending limit of up to $5000 per transaction.
Learn more at our Help Centre
*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.