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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.

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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

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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)

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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

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Qualifying criteria

  1. An active FNB Business Account in good standing
  2. Additional credit criteria will apply

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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

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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

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Documents needed

FNB Customer

Non FNB Customer

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How it works

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

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 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

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

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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.

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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.



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Legal information

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