Business Overdraft

Please select

For Me

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

Please select

Start new application

Need help with the process?

Daily Banking

Tools

Switch to FNB

Do it now! Retrieve application

Transact

Bank accounts Credit cards Connect SIM Mobile accounts eWallet Smart devices and SIM Petro Card

Ways to bank

Digital Banking Branch, ATMs + Telephone Banking Digital Payment Solutions nav»

Savings and Investments

Save and Invest

Invest abroad

Global Wealth Solutions Global Account

Financial planning

Overview Personal goals Child's education Emergencies Retirement In retirement Tax free Estate + legacy planning Employee Benefits

Borrow

Credit cards Home loans Overdraft Personal loan Revolving facility Securities Based Lending Student loan Temporary loan Vehicle finance

Insure

Insurance

Forex

Foreign exchange solutions

eBucks Rewards

eBucks Rewards SLOW

Switch to FNB

Do it now!

Lifestyles

Youth accounts FNB EasyPlan FNB Gold Islamic banking Premier Young Professionals Medical Professionals Premier Select Over 55s Encore - Over 55s Retirement

Switch to FNB

Do it now!

Events

Services

DebiCheck and Debit Order Balance Alert Limit Alert LOTTO and PowerBall Prepaid products Soccer six Traffic fines Debit order + salary switching inContact iTunes gift codes Payments and Debit Orders DStv Payments Account Closure Guide

Switch to FNB

Do it now!

Bank better

Learn about banking Demos FNB App guides

Switch to FNB Business

Apply now! Retrieve application

By Turnover

First Business Zero (R0 - R5 million p.a) Gold Business (R0 - R5 million p.a) Platinum Business (R5 million - R60 million p.a)

Transact

Business Accounts Credit Cards Cash Solutions Merchant Services eWallet Pro Staffing Solutions ATM Solutions Ways to bank Fleet Services

Savings and Investments

Save and Invest 3PIM (3rd Party Investment Manager)

Borrow

Overdraft Loans Debtor Finance Leveraged Finance Private Equity Vumela Securities Based Lending Selective Invoice Discounting Asset Based Finance Commercial Property Finance Fleet Services

Insure

Insurance

For my employees

Staffing Solutions Employee benefits

Forex + Trade

Foreign Exchange International Trade Structured Trade + Commodity Finance Business Global Account (CFC account)

Value Adds + Rewards

the dti initiatives Business Hub eBucks Rewards for Business DocTrail™ CIPC Instant Accounting Solutions Instant Payroll Instant Cashflow Instant Invoicing SLOW 24/7 Business Desk FNB Business Fundaba nav» Marketplace Prepaid products

Industry Expertise

Philanthropy Chinese Business Islamic Banking Agriculture Public Sector Education Healthcare Franchise Motor Dealership Tourism

Going Global

Global Commercial Banking

Financial Planning

Overview

Bank Better

Demos KYC / FICA Debit order + recipient switching Electronic Alerts

Switch to FNB

Do it now!

Private Banking

Private Clients - Earn between R750 000 - R1 499 999 per year Private Wealth - Earn above R1.5m or have NAV of R15m p.a. to qualify

Home Loans

Affordability Bond Calculator

Day to day banking

Budget Future Value Credit Cards

Share Investor

Vehicle Finance

Vehicle Repayment Vehicle Purchase Price

International

Forex

Product Rates

Save and Invest Transactional Savings Legal Practitioners and General Trust Account Global Accounts

Pricing Guide

Overview

Rates

Foreign Exchange Rates Lending Rates

Indicators and Share Price

SA Indicators

News + Insights

Press Office Economics commentary Insights Business Hub

Terms + Conditions

Product Terms and Conditions Promotions Terms and Conditions Legal Matters

Social Responsibility

FNB Fund FNB Volunteers

About Us

World of FNB

FNB Subsidiaries

Botswana Lesotho Ghana Namibia Swaziland Tanzania Zambia Channel Islands

Talk to us + important numbers

Fraud + Disputes

Security Centre

Locators

ATM Locator Branch Locator/Book a Branch Visit

Tools

Debit order + salary switching Track and Trace Lead Form Tracking Upload Documents - For Me Upload Documents - For My Business Reporting a death Software Downloads FNB Approved Suppliers Verify Guarantee Verify Statements Verify Payments Verify Account Confirmation/Visa Application Letters eWallet balance enquiry iContract

Careers at FNB

Find out more about careers at FNB Apply here

FNB App

How-to guides

Register with Online Register without Online Add beneficiary Pay recipient Manage cards Buy prepaid electricity Buy prepaid airtime and data Send eWallet Download verified statement Secure Chat® Reset your password

All savings + investment accounts

Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

Share investing

Tax-free investing

Tax-free accounts

Funds/unit trusts

Ashburton specialised products

Invest abroad

Offshore products

I want to save for

Personal goals Child's education Emergencies Retirement In retirement Tax-free

Compare similar

Compare

Additional options

Show me all Help me chosse Find an advisor

Financial planning

Overview

Your login details have been entered incorrectly

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

Username	Password
Forgot your login details? Reset your Username or Password

Forgot your login details?

Reset your Username or Password

Your login details have been entered incorrectly

This is your third and last login attempt available.

Your profile will be blocked if you fail to enter your login details correctly.

Oh no!

We've noticed that you've tried to login more than 3 times.	This could help Reset your Username or Password
You might have blocked your Online Banking Profile.	This could help Reset your Username or Password
In order to unblock your profile, reset your username and password.

Show branches which allow bookings
Show branches not affected by loadshedding
Show branches with extended operating hours
Show branches with wifi

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.

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

FNB Customers

Documents needed

For Revolving Loans less than R400 000, no supporting documents or collateral may be needed

For Revolving Loans more than R400 000, you will need:

Business Loan Application
Signed financial information (annual financial statements and year-to-date management accounts)
Projections (cash flow statements, income statements and balance sheets)

Personal surety may be required

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

Existing Business Account holder

For business finance of less than R400 000

You may not be required to submit supporting documents or collateral.

For business finance of more than R400 000

A Business Finance application form
Signed financial information (annual financial statements and year-to-date management accounts)
Projections (cash flow statements, income statements and balance sheets)

Don't have an existing FNB Business Account

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
Should your application be successful, you are required to open a 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
What it costs
What's hot
Applying made easy
Contact us
Apply now!

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.

Business Credit Protection plan

Free Instant Accounting

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

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.

Applying made easy