Freedom starts with fairer cash flow.

Up to $150,000 interest free – it’s buy now, pay later, made for business.

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.
Always interest free
$200 minimum monthly repayment
$20 monthly account fee, which we'll waive if you pay your statement closing balance in full before the due date
Decisions in minutes
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.
Always interest free
Nothing to pay for up to 60 days
One-off 3% extension fee over 4 monthly instalments if not paid within first 60 days
Decision within 1 business day
Tap to pay instore, or pay with a single-use card online everywhere Visa is accepted^

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. No asset security required.1

No interest,
simple fees

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

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.

Apply for Trade

Up to $3,000

Apply for Trade Plus

Up to $150,000

2M+

Enjoyed by 2M+ Zip users

35K

Accepted by over 35,000 suppliers

4.8

Customers 💙 our app (4.8 Apple and 4.3 Google).

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

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 $20, 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 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.

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 $20, 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
1Credit approval criteria, fees and Trade T&Cs or Trade Plus 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 everywhere Visa contactless payments are accepted instore and 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.