Freedom starts with fairer cash flow.

Up to $3,000 interest free – it’s buy now, pay later, made for business.

Apply now

10K+

Join over 10,000 happy Zip Business users

4.8

Average rating in the Apple app store

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10K+

Join over 10,000 happy Zip Business users

4.8

Average rating in the Apple app store

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Apply in minutes

Don’t wait forever to get your cash flow sorted. Apply for up to $3,000 in minutes with a simple online application. 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

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No interest,
no hidden fees

Pay each month’s closing balance by the end of the following month and we’ll waive the $20 monthly account fee.

A 1.95% invoice & BPAY processing fee for Zip bills payments. $25 late fee or dishonour fee may apply.

That’s it.

Zip Business Trade Choose Your Amount

Repay your way

Spread things out with optional weekly, fortnightly or monthly repayments. Just pay the minimum monthly repayment of $200/mth.

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.

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Take back control of your cash flow, start the simple online application now.

Apply now
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Got bigger expenses?

Apply for up to $150,000 with Zip Business Trade Plus

Apply now
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Get Zip, get growing.

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

Learn more
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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.

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.
Learn more about Trade
1Minimum 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.
*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.
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