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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

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First Business Zero (R0 - R5 million p.a) Gold Business (R0 - R5 million p.a) Platinum Business (R5 million - R60 million p.a) Enterprise Business (R60 million - R150 million+ p.a)


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


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Private Banking

Private Banking

Finance to buy agricultural property

This mortgage loan can be used to finance the purchase of farmland or capital improvements (e.g. buildings, dams and fences). The size of the loan is linked to the market valuation of the property to be mortgaged as security, your level of indebtedness and the extent to which you are able to repay the loan. The loan term can extend up to 15 years.

Finance to buy movable assets

Vehicles, machinery and plant assets can be financed through WesBank (a division of FirstRand Bank Ltd.), a partner of FNB.

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An overdraft offers finance for seasonal production inputs and day-to-day expenses. It differs from a loan as it is repayable on demand. Your overdraft facility is linked to your farm's transactional account and reviewed annually. Debit balances are normally repaid after the harvesting season.

It provides you with working capital for day-to-day expenses and for the purchase of production inputs. It operates as a fluctuating overdraft facility that is perfect for farmers or farming businesses operating as sole proprietors, partnerships, close corporations, companies, trusts or co-operatives.



  • You can access working capital for day-to-day expenses and to purchase items necessary for production.
  • Overdrafts are normally repayable on demand and reviewed annually.
  • The interest rate on your account can be linked to the prime lending rate.
  • Debit balances are usually repaid after the harvesting season.

Lending solutions

Help your farm run smoothly

Finance solutions that can be tailored for your business. Our solutions offer competitive rates with flexible repayment options.

Enjoy growth

Grow from strength to strength with our lending solutions

Because we understand the cyclical nature of farming, our finance solutions can help your farm run

smoothly and help you make the most of all your opportunities.

Your banker can conduct an analysis of your specific needs and provide a suitable solution tailored for

your farming business. You will be quoted a competitive rate, given flexible repayment options and receive

an answer on your loan application through a transparent process.


Short-term loan

Finance day-to-day expenses

A short-term loan will help you to survive when farming is just as unpredictable as the weather.


Credit cards

Offers you low cost + flexible access to credit while providing you with an easy way of managing your expenses.


Finance for seasonal production inputs and day-to-day expenses

Read more

Medium-term loan

Help to expand your farming business.

Finance for perennial crops, livestock and infrastructure

  • This product is perfect for when the loan amount can be repaid within five years or less.
  • It is suited to finance part or all of your annual production input costs, capital expenditure and livestock; including game, purchases and farm property improvements.
  • The purpose of the loan and the farming enterprise, together with the productive lifespan of improvements and the repayment ability of the business venture will determine the repayment term.

Finance for production projects and expanding production capacity

  • This loan product can be used to finance and expand your farm's production capacity.
  • It is the ideal solution to fund the establishment of orchards and vineyards, livestock purchases and production infrastructure such as dairy and poultry facilities.
  • It is perfect for established farmers or farmers with proven financial track records.
  • The type of farming enterprise and the economic lifespan of the asset will determine the repayment term, which can extend from five to 10 years.
  • The repayment of capital can be suspended for a limited period at the beginning of the repayment period.

Long-term loan

Help you to buy farmland + make capital improvements


Finance to buy agricultural property

e.g. buildings, dams and fences

Read more

Finance to buy moveable assets

e.g. vehicles, machinery and plant assets

Read more

Getting it made easy

Lending solutions

How to get it

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Other ways to apply

Contact us

Find a branch

Contact your relationship manager

Documents needed

  • Online application form
  • Personal details
  • Business details + mandates
  • Business plans, budgets + cash flow forecasts to support the loan + to substantiate the loan amount