Business Overdraft

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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
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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

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.

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