Please select


For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Please select


For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Your access details have been entered incorrectly


Please note on your third failed attempt your profile will be blocked.

Username

Password

Have you forgotten your Username or Password?




FREE Instant Accounting


FREE Instant Accounting is ideally suited to small business owners and enables you to prepare income statements, balance sheets, VAT returns, cash-flow statements as well as detailed transactional analysis reports.

Terms, Conditions and Rules apply.

Documents required for FNB customers


For business overdrafts of more than R400 000

  • Security (customer dependent)
  • A business finance application
  • Signed financial information (annual financial statements and year-to-date management accounts)
  • Projections (cash flow statements, income statements and balance sheets)

Documents required for non-FNB customers


  • Six months' bank statements
  • Security (may be required)
  • A business finance application
  • Signed financial information (annual financial statements and year-to-date management accounts)
  • Projections (cash flow statements, income statements and balance sheets)
  • A business plan to demonstrate the viability and sustainability of the business
  • Should your application be successful, you are required to open an FNB Business Account

Legal information


  • Product terms and conditions are included in the Facility Letter you receive with your approved overdraft
  • Only after signing the required facility and collateral documentation, will the overdraft facility be made available for use per master copy

Business Overdraft


Funds available immediately for your business


A convenient, short-term credit facility that is ideal for emergencies and unforeseen circumstances.

How it works


Get the cash flow you need to run your business


What the Business Overdraft offers

  • The facility is linked to your Business Account and provides the ability to make payments even when there are no cash funds available in your account, thus avoiding penalty fees and additional charges
  • No minimum monthly payment as long as you remain within the agreed limit
  • Payments into the overdraft facility make funds available for use again
  • Flexibility, as you can deal with unexpected expenses and capitalise on any opportunities
  • Monthly repayments are based on the amount of credit you used
 
 

What it costs


Pay only for overdraft when you use it


  • The amount you qualify for, as well as the interest rate, will depend on your credit profile
  • The interest rate will be calculated for you, once your application has been submitted
  • Interest is charged monthly on your overdraft balance
  • Credit fees will be provided upon application

What's hot


Valuable insights

Get a monthly snapshot of your business's cash flow, income and expenditure.

Free Instant Accounting

An online accounting solution which uses your FNB Online Banking statements to do your bookkeeping automatically every night.

Read more

Free Instant Accounting Insights

A monthly snapshot of your business's cash flow, income and expenses.



FNB Visa Business chip + PIN Cheque Card

The most secure cheque card available today, that helps your business save money.



Applying made easy


Business Overdraft

Qualifying criteria

Must be an FNB customer with an FNB Business Account

How to get it

Apply now!

Other ways to apply

Complete the call me back form

Contact us

Find a branch

Documents needed

FNB customers