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Here for you and your business with Zip Business

Here for you and your business with Zip Business

Here for you and your business. Introducing Zip Business

Whether you need an urgent purchase to complete your project or your credit limit is not adequate for your spending requirements, say goodbye to piles of paperwork and lengthy delays at the bank with Zip Business

Zip Business is a safesimple and reusable line of credit, offering small businesses the ability to buy now and pay later for all their needs across multiple retailers online or in-store 


What is Zip Busness?

As a small business owner, managing your cash flow is vital to your business. The two Zip Business options, Zip Business Trade and Zip Business Trade Plus, can help you successfully navigate what can sometimes be a tricky balance to achieve by allowing you to get the job done now and pay later. 

Both accounts offer a unique service with currently no market alternatives. It is a simple revolving line of credit that gives you, as a business, more freedom and flexibility when it comes to your cash flow. If you need quick access to greater and better cash flow to get the job done, Zip Business Trade and Zip Business Trade Plus provide you with this working capital and access within minutes of your application. 


What's the Difference between Zip Business Trade and Zip Business Trade Plus?

 Zip Business Trade

$1,000 - $3,000

Great for everyday and unexpected expenses with quick funds and flexible repayments.

  • Always interest free
  • Pay each month's closing balance by the end of the following month and Zip will waive the $20 monthly account fee*
  • Flexible repayment options with a $200 minimum monthly repayment
  • Settle invoices and bills with BPAY*
  • Decision in minutes

*Terms and Conditions apply

Zip Business Trade Plus

$3,000 - $150,000

Perfect for larger expenses like supplies, equipment and services to help your business grow.

  • Always interest free
  • Repay any transaction by the end of the following month and there's no extension fee. Or automatically move to a repayment plan of 4 equal monthly repayments with a one-off extension fee of 3%*
  • Settle invoices and bills with BPAY*
  • Tap to pay instore, or pay with a single-use card online everywhere Visa is accepted*
  • Decision within 1 business day

*Terms and conditions apply


How does it work?

Zip Business Trade

Zip Business Trade is a safe, simple line of credit, offering you the ability to buy now and pay later for all your business needs. You can spend up to your credit limit on goods and services and each transaction will draw down on your credit balance. When you repay the transactions, your credit balance will go back up.

There's a $20 monthly account keeping fee, but this is waived if you pay each month’s closing balance by the end of the following month. There's a minimum monthly repayment amount of $200 and you have the flexibility to repay over weekly, fortnightly or monthly repayments.

Zip Business Trade Plus

Zip Business Trade Plus is a safe, simple line of credit, offering you the ability to buy now and pay later for all your business needs. You can spend up to your credit limit on goods and services and each transaction will draw down on your credit balance. When you repay the transactions, your credit balance will go back up.

Repay any transaction by the end of the following month and there’s no extension fee. Or automatically move to a repayment plan of 4 equal monthly repayments with a one-off extension fee of 3%.


Frequently Asked Questions

To help you better understand how Zip Business Trade and Zip Business Trade Plus work, we’ve outlined some frequently asked questions below:   

Zip Business Trade

Who can apply?

To be eligible to apply, you need:

  • To have an active ABN or ACN
  • 6+ months in business
  • More than $5,000 in monthly sales

What are the fees?

There's a monthly account keeping fee of $20, however this will be waived if you pay each month’s closing balance by the end of the following month.

There's a 1.95% invoice and BPAY processing fee if you choose to pay using these methods.

There's 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 establishment fees, early repayment fees, annual fees, paper statement fees, account closure fees, credit limit increase fees, or any other hidden fees.

Click here to learn more about Zip Business Trade

Zip Business Trade Plus

Who can apply?

To be eligible to apply, you need:

  • To have an active ABN or ACN
  • 6+ months in business
  • More than $5,000 in monthly sales

What are the fees?

There are no extension fees if you repay any transaction by the end of the following month. Or automatically move to a repayment plan of 4 equal monthly repayments with a one-off extension fee of 3%.

There's a 1.95% invoice and Bpay processing fee if you choose to pay using these methods.

There's 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 establishment fees, early repayment fees, annual fees, paper statement fees, account closure fees, credit limit increase fees, or any other hidden fees.

Click here to learn more about Zip Business Trade Plus


How do I get started?  

Zip Business lets you get on with your business. Whether you’re a designer, plumber, electrician, cabinet maker or builder, you can purchase the materials you need to do your job easily.  

Sound good? Click here to head to the Zip Business site to find out more and apply for an account

FIND OUT MORE ABOUT ZIBUSINESS