In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.

Zip Business Trade

  • Avatar
Zip Business Trade
Max. Loan Amount


Pay 0% interest on purchases for your business up to $3,000 and repay in monthly instalments from $200.

Pay 0% interest on purchases for your business up to $3,000 and repay in monthly instalments from $200.

If you're a microbusiness owner, Zip's Business Trade buy now pay later solution for businesses could help.

Zip's Business Trade allows you to spread business expenses over a longer period, which can protect your cash flow when you need it most.

If you're approved, you can purchase business equipment, pay invoices and cover your utilities, then repay in interest-free monthly instalments.

3 things you should know about this loan:

  • Cover expenses from $1,000 to $3,000
  • Service fee: $20 / month (waived when you have zero balance)
  • Minimum repayments $200 per month

Find out more below.

In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask a question


Product details

Product Name Zip Business Trade
Min. Loan Amount $1,000
Max. Loan Amount $3,000
Loan Security Secured

How does Zip Business Trade work?

Zip Business Trade is a business line of credit that allows you to make purchases and cover various costs up to $3,000 for your business. Expenses you can cover with Zip include office supplies, equipment, advertising and settling invoices.

If you have an outstanding balance with Zip, you must make a minimum monthly repayment of $200. However, you can opt to pay more if you wish to. Zip charges a $20 account-keeping fee, but only when you have outstanding funds. You will never be charged interest for using this service. You can use Zip Business Trade with any of Zip's 26,000+ merchant partners, including utility providers.

Zip's Business Trade Service is best suited to microbusinesses. Larger businesses that desire a greater purchasing power can apply for Zip's Business Trade Plus service.

Features of Zip Business Trade

Fees and charges

  • No interest. Zip charges no interest to its business customers.
  • Monthly Fee. The monthly fee for the Zip Business Trade account increased from $12 to $20 on 1 October 2021. You’ll avoid this fee when you pay the closing balance in full and by the due date each month.
  • Processing fee. A fee that is advised and authorised by you at the time of payment will be will be payable for each bill and invoice processed through Zip.

How to apply

To apply for Zip Business Trade, simply click "Go to site" to visit the lender's website directly and submit a quick application. If you apply during business hours, you will usually be given a decision within minutes.

To be eligible for this service, you must have:

Please bear in mind this product is suitable for businesses only. For consumer buy now pay later services from Zip, please click here. You can also compare buy now pay later options by visiting our guide.

Your reviews

No reviews yet. Write a review

Ask a question

Ask a question

Bria Finder


Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Go to site