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  • Product terms and conditions are included in the Facility Letter you receive with your approved loan.
  • Only after signing the required facility and collateral documentation, will the loan facility be made available for use.

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Existing Business Account holder

For business finance of less than R400 000

  • An unbonded residential property to offer as collateral

For business finance of more than R400 000

  • An unbonded residential property to offer as collateral
  • 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

  • An unbonded residential property to offer as collateral
  • 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, operating for 15 months or more, with annual turnover of R500 000+.
  2. Residential property collateral

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Documents needed

Existing FNB Business Account holder   Don't have an existing FNB Business Account

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Business Bond

Get the funds you need to expand your business

Suited to Business Account holders looking to unlock equity in residential property.

What you get

Flexible terms

Between 5 and 10 years



Automatic payments

Set up debit order from your Business Account



A loan that is secured

by first covering bond over residential property and suretyships by business owners/shareholders



Amortise capital

Pay less interest over time



Minimum loan value

of R100 000, maximum value R1 000 000 (subject to affordability)



Set interest rate

Budget and plan for the term of the loan



Applying made easy

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Qualifying criteria

Documents needed

Legal

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