Getting Your Business Loan Approved Is As Easy As 1..2..3 !
ZipLoans Unsecured Short Term Business Loans are super fast and you can be approved to borrow up to $250,000 in as little as 24 hours.
NO APPLICATION FEES
24 HOUR APPROVALS
FUNDING WITHIN 1 BUSINESS DAY
AUSTRALIA WIDE FINANCE
"For access to hassle-free unsecured business loans, get the ZipLoans team to help you!"

Hi, my name is John Detlefs and my team at Ziploans has vast experience helping small business access the finance they need in a fast, easy and friendly way.
Whether you’re looking to manage cashflow or seize an opportunity to grow, our friendly service makes accessing finance so simple you get to focus on running your business, rather than worrying about paying the bills.
John Detlefs - CEO
Zip Loans Pty Ltd

How A ZipLoans Unsecured Short Term Business Loan Works!
1. Apply Online Or Phone
Apply online, or have a chat with one of our friendly staff! Regardless of which you choose the application process should take around 10-15 minutes to complete.
2. Quick Approval Process
Once we have all of your details, in most cases it won't take more than a couple of hours to get approved. Either way, our staff keep you updated throughout the process.
3. Money In Your Account!
Once you've been approved, we can have the money in your account in as little as 1 business day. Now it's time for you to get busy expanding your business with small business financing!
(free to apply, no obligation to proceed)
Frequently Asked Questions
How is the ZipLoans Unsecured Short Term Business Loan different from a traditional business loan?
You can apply for the ZipLoans Unsecured Business Loan and small business financing in under ten minutes and receive a fast response – often as little as one hour. Application is 100% online and funds can usually be provided the same business day. Traditional short term business loans reference an interest rate per annum plus other fees and charges. The ZipLoans Short Term Business Loan details the total amount payable upfront inclusive of any interest, fees or charges. This total is then broken down into either a daily, weekly or fortnightly repayment amount.
What is an unsecured loan?
We understand many small business owners don’t own property or don’t want to put their family home on the line to get a loan or small business financing for their business. Our loan does not require asset security – all we need are Directors’ Guarantees to get your small business financing.
How fast will I get the money?
We know growing your business with small business financing is important, so ZipLoans will work hard to get money to you as soon as possible. If you apply before 4pm on a business day and you application is approved, we can usually have money in your account the same or next business day.
How do you charge for a ZipLoans Unsecured Short Term Business Loan?
ZipLoans doesn’t charge interest because terms are usually less than 12 months. Instead we offer a factor rate. A factor rate is expressed as a decimal figure not a percent. The factor rate offered is based on your industry, how long you've been in business, the health of your cash flow, and other factors. When a factor rate is used, interest is charged to the principal once - when the loan is originated - it doesn’t compound, when you need small business financing.
What can the ZipLoans Business Loan be used for?
We’re totally committed to helping small businesses access the funds they need to grow. Our unsecured short term business loans can be used for any business purpose, for example business renovations, marketing, purchasing inventory, new equipment, to manage cash flow, and much more you can do with small business financing.
Tell me about the ZipLoans Unsecured Business Loan?
We offer an unsecured loan or small business financing of between $5,000 to $250,000. The term of the loan is between three and twelve months. The repayments are cash flow friendly: either daily, weekly or fortnightly.
How do I apply?
We’ve made it easy and fast to get small business financing. Simply click the "Get Started" button and complete our online form. All you need to have ready is your driver’s licence number and your business ABN. You can choose to allow us to use an advanced bank verification system link to instantly verify your bank information online, in which case – have your main trading bank account details handy. Alternatively, you can choose to upload PDF versions of your most recent 3 months of bank statements.
How fast will I get a response?
We can often provide a response in one hour – if you apply during standard business hours and allow us to use our advanced bank verification system link to instantly verify your bank information online. If you choose to upload copies of your bank statements manually, it takes a little longer - we can provide a decision in as little as one business day on your small business financing.
How much can I borrow?
The total amount of your loan will depend on the specific circumstances of your business. We look at a variety of factors to determine the health of your business and based on this information, ZipLoans may be able to provide you a loan amount up to $250,000.
What are the fees?
We know fees can be confusing so we made it simple and transparent – there are no hidden fees and the amount due from day one includes the establishment fee. There are no additional fees (excluding any late payment or default fees) and no penalties for early repayment.
What happens if I want to repay early?
There are no fees for early repayment and no balloon payment at the end of your loan. In fact, we may give you a rebate on the total interest remaining. We're totally transparent with our customers about the total amount due and the date of the final payment. Once you make the final payment your balance will be $0.
How do repayments work?
It’s important to offer you easy ways to pay back your loan for small business financing. To help you avoid missing repayments we offer daily, weekly or fortnightly repayments that are automatically deducted from your nominated business account.