Zip business

Cash Flow Control

Pay at your pace when you get paid. Manage your expenses your way with transparent fees.
$200 minimum monthly repayment and no interest ever.

One Account

One account for all your business expenses. Stop juggling multiple accounts, and centralise your expenses into a single account with one monthly statement.

Pay Invoices

Upload an invoice and settle it sooner. Use Zip Business Trade account to pay all your supplier statements and other business invoices.*

BPAY Friendly

Zip over 45,000 BPAY billers now, pay later. Use your Zip Business Trade account to settle your utility or phone bills now and pay us back later once you’ve been
paid.*

Zip Trade

$1000 - $3000

Interest-free period 0% always

Ideal for: Everyday items, office supplies, social media ads, and more

Approval in minutes

$200 minimum monthly repayment

$20 per month waived if you have zero balance

Tap to pay

Apply now

Zip Trade Plus

$3000 - $150,000

Interest-free period 0% always

Ideal for: Larger items, equipment, inventory, wages, and more

Approval in 24 hours

Minimum repayment depends on purchase amounts

Fixed fee depends on the purchase amounts

Tap to pay everywhere you see Contactless Symbol

Apply now

Minimum monthly repayments are required. A monthly account fee of $20.00 applies. Pay your closing balance in full by the due date each month and we’ll waive the fee. Credit approval criteria, fees andT&Csapply

How does Zip Business Trade Plus work?

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 goods and services.

How does it work?

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.

What are the fees?

Your Zip Business Trade account has a monthly account keeping fee of $20. However, this is only charged when you have an outstanding balance at the end of the month.

Who can apply for Zip Business Trade?

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