Zip Business Trade

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.


Max. Loan Amount

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Product NameZip Business Trade
Min. Loan Amount$1,000
Max. Loan Amount$3,000
Loan SecuritySecured

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

  • Quick application/approval. It takes just minutes to apply for a Zip Business Trade account and you can get a decision within 10 minutes during business hours.
  • Range of merchants. Zip has over 26,000 merchant partners. You can make purchases or settle payments anywhere you see the Zip logo.
  • Purchasing power. You can spend from $1,000 to $3,000 each time you use this platform.
  • Minimum repayments. You must make a minimum monthly payment of $200 on an outstanding balance.
  • Payment time. Payments may take up to three business days to reach your biller.
  • Bill exclusions apply. These include but are not limited to: credit institutions, gambling, share trading, personal loans and DEFT rent.
  • 0% interest. There are no interest charges when using this service.
  • Expanding store variety. There's an ever-growing number of partnered sellers.
  • Flexible repayment options. You can repay as much as you choose over $200.

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:

  • An active ABN or ACN
  • Been in business six months or more
  • A monthly turnover of over $5,000

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.

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