The one trade account for everything you need

Up to $3000, interest free.

How Zip Business Trade accounts work

  • Fast approval

    Up to $3000 credit approved in minutes.

  • Get what you need

    Shop or pay for your business expenses.

  • Transparent fees

    $12 per month, waived if you have zero balance.

  • Pay later, interest free

    Pay off your purchases from $200/month.

All your business expenses in one place

From everyday expenses to core cash flow, we’ve got the solutions to keep you growing.

Most popular 🎉
Zip Business Trade

$1000 – $3000

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
Coming soon
Zip Business Trade +

$3000 – $150000

Interest free period
0% always
Ideal for
Larger items, equipment, inventory, wages and more
Decision time
In 24 hours
Minimum repayments
Minimum repayment depends on purchase amounts
Account fee
Fixed fee depends on the purchase amount

A $12 monthly account fee applies for Zip Business Trade ONLY. Pay your balance by the due date (the end of each month) and we’ll waive the account fee. See full T&Cs

One business account. Thousands of places to use it.

With over 26,000 partnered stores and more on the way, you can purchase anywhere you see the Zip logo.


Get your Zip Business Trade account

Apply in minutes and get approved instantly.

Zip Business Trade 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
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.