ZOP Business logo

$1,000 to $150,000 interest free.

Zip business

The one trade account for your business needs.

zip business

how zip business works

Compare our products with each other to find the perfect one for you.

fast approval
A smartphone with the screen displaying a logo reading "Zip." Below the logo, there's a thumbs-up icon and the word "Approved." The phone is angled on a light blue background.

get what you need
A smartphone screen displays a digital Visa card labeled "Zip Business" with $6,000 available funds and a "Generate card details" button below it. The card is described as a single-use card for online shopping.

transparent fees
A mobile screen shows a form titled "Enter your biller details" with fields for Biller code, Reference number, and Amount, plus a disabled "Continue" button at the bottom. Battery and signal icons are at the top.

pay later, interest free
A hand holds a smartphone displaying a digital wallet app with a Visa Zip Business card. The screen shows a prompt to "Hold Near Reader." The background is a light blue color.
Type from $1,000 in minutes, up to $150,000 within 24 hours shop or pay for your business expenses $20 per month, waived if you have zero balance pay off your purchases from $200/month
Materials
Padding
Certificates

fast approval
A smartphone with the screen displaying a logo reading "Zip." Below the logo, there's a thumbs-up icon and the word "Approved." The phone is angled on a light blue background.

get what you need
A smartphone screen displays a digital Visa card labeled "Zip Business" with $6,000 available funds and a "Generate card details" button below it. The card is described as a single-use card for online shopping.

transparent fees
A mobile screen shows a form titled "Enter your biller details" with fields for Biller code, Reference number, and Amount, plus a disabled "Continue" button at the bottom. Battery and signal icons are at the top.

pay later, interest free
A hand holds a smartphone displaying a digital wallet app with a Visa Zip Business card. The screen shows a prompt to "Hold Near Reader." The background is a light blue color.
Type
from $1,000 in minutes, up to $150,000 within 24 hours
shop or pay for your business expenses
$20 per month, waived if you have zero balance
pay off your purchases from $200/month
Materials
Padding
Certif...
zip business trade
A woman smiling and working on a laptop at a desk covered with papers, notebooks, and a coffee mug in a bright, modern office setting. Shelves and hanging clothes are visible in the background.
zip business trade
why you'll love zip business trade

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.*

Centralise your business expenses

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

Zip Business FAQs

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