Freedom starts with fairer cash flow.

Up to $150,000 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 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

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Skip the interest & silly fees

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%.

There's a 1.95% invoice & BPAY processing fee for Zip bills orders, $25 late fee or dishonour fee.

Nothing else.

Zip Business Trade Choose Your Amount

Control the way you repay

Choose to repay any transaction by the end of the following month and don't pay an extension fee, or automatically move to a repayment plan of 4 equal monthly repayments with a one-off extension fee of 4%.

Zip Business Trade BPAY

Flick your bills,
pay later

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

iPhone 12 Pro Zip Business Tap

Shop everywhere Visa is accepted

Tap to pay instore with a virtual Visa card, or pay online with a single-use virtual Visa card everywhere Visa is accepted.^

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

Apply now
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Only need to cover the essentials?

Apply for up to $3,000 with Zip Business Trade.

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 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 for a Zip Business Trade Plus account, 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 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 Plus
1Up 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.