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You use the information contained on this page (the "Information") at your own risk. First National Bank, a division of FirstRand Bank Limited ("the Bank"), provides no warranties or guarantees, whether express, implied or otherwise, in respect of the Information, its accuracy and/or reliability. Without limitation, the Bank does not warrant that the Information will ensure your compliance with accounting, auditory, financial, legal, business and/or tax requirements or will improve your business' performance. The Information does not constitute advice and should not be used as a substitute for obtaining professional or other advice where necessary. Neither the Bank nor its holding company, subsidiaries or other group companies will be liable to you for any claims, demands, expenses, costs, losses or damages, of whatsoever nature, suffered or incurred by you in respect of your use of the Information.

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Business Talk

Business Tips

Surviving Tough Times Requires a Survival Strategy

Every entrepreneur has heard the adage "cash flow is king", but how that translates into day-to-day tactics for your business, requires razor sharp focus on specific financial areas of your business, especially in tough economic times when external factors out of your control will impact your business.


 

Reduce Business Costs Through Cashless Payment Solutions

There probably isn't a business that isn't considering how to reduce costs as it navigates its way through the current tough economic environment and South Africa's credit ratings downgrades. One area to explore is how you handle cash payments.


 

Key Disciplines in Scaling

Over 50% of the top 1% of businesses get stuck at a common point on their growth path. This point of "stuckness" does not manifest as a temporary circumstance which simply corrects itself over time or with a mediocre level of effort. The consequences of many businesses' inability to navigate themselves out of "stuckness" are dire. Avoiding getting stuck altogether, or finding an escape route if the business is already stuck requires significant effort and skill from the business leadership.


 

DocTrail™ Makes Your Business' Requisition Process as Easy as Making a Payment.

No matter what the size of your business, keeping an auditable trail of the documentation that accompanies and supports financial transactions to and from company accounts is not only a legal requirement, but it can also streamline admin and reduce the cumbersome task of maintaining a paper trail. Spending less time on this admin by using digital tools frees up key resources and can also translate into cost savings.


 

A Guide To Registering Your Business

All companies might be businesses, but not all businesses are in the legal sense, companies. It's an important distinction, with several implications for business owners.


 

Don't Allow Your Business to Become a Failed Statistic

It's a well-known fact that most start-ups close their doors not because they cannot generate revenue, but rather because they run into cash flow problems. Nowadays it's much easier to make cash flow predictions using online software and cloud solutions.


 

Renting vs. Owning Business Premises

Every growing business is confronted with the important decision to continue leasing or own the premises in which it operates. Entrepreneurs should aim to understand the implications and establish whether this would be a good investment. Being in a strong financial position to invest in commercial property should be every business owners' aspiration.


 

Navigate Your Way With A Business Revolving Loan

South Africa's growth forecasts are expected to be very low in comparison to prior years. Getting a loan in a downturn can become quite challenging, so thinking ahead an opening lines of credit before times get tougher can be a possible strategy.


 

The Economy

2Q17 GDP

Agricultural activity has served the economy well, helping to pull South Africa out of its technical recession and post GDP growth of 2.5% in Q2 2017. Sustained growth remains a challenge, but for now analysts expect that the ratings agencies may have been appeased.


 

Events

FNB Wines2Whales MTB Event

The FNB Wines2Whales is dubbed the most beautiful MTB event in the Western Cape, offering lifestyle and competitive MTB'ers, and their supporters, as magical experience. This fun and rewarding event experience gives riders the opportunity to ride through some of the breath-taking beauty that South Africa possesses by crossing 13 wineries, 26 private farms, six majestic mountains, historic roads and mountain passes, nature conservation areas (including the Kogelberg Biosphere) before finishing at the notorious whale spotting site of Hermanus.