How Zip Business Trade accounts work
Fast approval
From $1,000 in minutes, up to $150,000 within 24 hours
Get what you need
Buy now, cover your expenses, grow your business
Transparent fees
No application fee or ongoing hidden fees
Pay later, interest free
Flexible repayment options and no interest, ever
To purchase in-store, simply visit www.zip.co/business/trade to sign up. See full T&Cs.
All your business expenses in one place
From everyday expenses to core cash flow, we’ve got the solutions to keep you growing.
Zip Business Trade
$1,000 – $3,000
Peace of mind with an account that covers everyday and unexpected spending with quick funding and flexible repayments.
Ideal for
Everyday items, office supplies, social media ads and more
Decision time
In minutes
Repayments
$200 minimum monthly
repayment
Fee
$12 per monthly account fee, waived if you have zero balance
Zip Business Trade Plus
$3,000 – $150,000
The convenience of all your spending in a single account with up to 60 days at no cost and flexibility to repay over 4 monthly instalments.
Ideal for
Larger items, equipment, hire, inventory, bills, invoices and more
Decision time
In 24 hours
Repayments
No payment for up to 60 days, then a we’ll automatically create a repayment plan of 4 equal monthly repayments
Fee
A one-off 3% fee per transaction applies if a transaction is not paid in full prior to a repayment plan being created.
Zip Business Trade
$1000 – $3000
Zip Business Trade Plus
$3000 – $150,000
Ideal for
Everyday items, office supplies, social media ads and more
Larger items, equipment, inventory, wages and more
Approval time
Approval in minutes
Approval in 24 hours
Repayments
$200 minimum monthly repayment
No payment for up to 60 days, then a we’ll automatically create a repayment plan of 4 equal monthly repayments
Fee
$12 per monthly account fee, waived if you have zero balance
A one-off 3% fee per transaction applies if a transaction is not paid in full prior to a repayment plan being created.
Zip Business Trade FAQs
What is Zip Business Trade?
Zip Business Trade is 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.
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 $12. 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
What is Zip Business Trade Plus?
Zip Business Trade Plus is a safe, simple line of credit that allows you to buy now and pay later for all your business needs. Zip Business Trade Plus offers credit limits between $3,000 and $150,000, always with an interest free period.
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 wherever you see Zip at checkout.
What are the fees associated with Zip Business Trade Plus?
There are no fees if you repay any Zip Business Trade Plus order by the end of the month after purchase.
If you choose to extend your repayments over 4 monthly installments, you pay a 3% extension fee. If you have multiple orders outstanding, you can choose to pay off some within the first month, and to extend others over 4 months.
There is 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 application, setup or establishment fees, annual fees, paper statement fees, account closure fees, credit limit increase fees, or any other hidden fees.
Who can apply for Zip Business Trade Plus?
To be eligible to apply for a Zip Business Trade Plus account, you need:
- To have an active ABN or ACN
- 6+ months in business
- More than $5,000 in monthly sales