Unsecured - no collateral required

FREE, non-committal application

Decision within one working day

No early repayment fees

What we offer

A line of credit up to $500k that converts into a loan when you draw down

Flexible up to 5 year repayment terms

Unsecured – no collateral required

Credit decision made within one working day

Dedicated client service manager or account manager

No early repayment fees

Why businesses need a line of credit

Assist with cash flow

Boost working capital

Buy new stock and equipment

Refinance existing loans

Invest in marketing & HR

What we look for

Australian business

Minimum annual turnover of $200k

Trading for at least 18 months

Profitable business

Business loan calculator

Find out how much your loan will cost


Monthly repayment




  • Amount
    $ 100,000
  • Duration
    12 months
Period Principal amount Interest amount Outstanding amount
For illustrative purposes only. The example shown above is based on an average Zip Business Capital customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.

We've made finance simple


Tell us about yourself and your business (5 minutes)

 Answer a few questions and provide some basic accounting and bank data.


Sit tight while we review your application (24 hours)

Our team of credit experts will review your application and we’ll be in touch with a decision.

Accept your offer

Once approved, you have immediate access to your funds. Choose when to have the funds deposited to your account.

Frequently asked questions

Here's further information about Zip Business financing