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Financial planning

Overview

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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

Refer to the Pricing guide for details

  • 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.

Find out more

Free Instant Accounting Insights

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

FNB Visa Business chip + PIN Debit Card

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

 

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.

 

FNB Customers

Documents needed

For an Overdraft, you will need:

  • Overdraft application
  • Signed financial information (annual financial statements and year-to-date management accounts may be required)
  • Projections (cash flow statements, income statements and balance sheets may be required)
  • Surety for the Overdraft may be required

Terms and conditions apply.

 

Non FNB Customers

Documents needed

  • 6 months' bank statements
  • 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
  • Documents required to open an FNB Business Account

Personal surety may be required.

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).

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