Home
Specialised Finance
Securities Based Lending
 
Home
For Me
& My Family
For My Business
Corporates + Public Sector
Private
Calculators
Rates + Pricing
About FNB + Legal
Contact Us + Tools
Careers at FNB

Close

Close

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Close

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Close

Close

Daily Banking

Close

Tools

Register Forgot Username or Password Verify payments

Close

Menu

Bank Family & Life stage solutions Events & Services Bank better

Switch to FNB

Product Shop

Financial Solutions

Bank Invest Borrow Insure Connect

Ways to bank

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

Invest abroad

Global Solutions

Financial planning

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

Forex

Foreign exchange solutions

eBucks Rewards

eBucks Rewards SLOW

Switch to FNB

Product Shop

Lifestyles

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

Switch to FNB

Product Shop

Events

Events

Services

DebiCheck and Debit Order Balance Alert Limit Alert Soccer six Switching Services inContact Payments and Debit Orders Account Closure Guide

Switch to FNB

Product Shop

Bank better

Learn about banking FNB App guides

Close

Switch to FNB Business

Product shop

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) Enterprise Business (R60 million - R150 million+ p.a)

Transact

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

Savings and Investments

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

Borrow

FNB Cash Advance Overdraft Loans Debtor Finance Leveraged Finance Private Equity Securities Based Lending Selective Invoice Discounting Asset Based Finance Alternative Energy Solutions Commercial Property Finance Fleet Services

Insure

Insurance

For my employees

Staffing Solutions Employee benefits

Forex + Trade

Foreign Exchange Imports and exports Structured Trade + Commodity Finance Business Global Account (CFC account)

Value Adds + Rewards

Connect my business the dti initiatives Enterprise and supplier development Business Hub eBucks Rewards for Business DocTrail™ CIPC Integration Channel Instant Accounting Solutions Instant Payroll Instant Cashflow Instant Invoicing SLOW 24/7 Business Desk FNB Business Fundaba nav» Marketplace Prepaid products Accounting integrations

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

KYC / FICA Debit order + recipient switching Electronic Alerts

Close

Corporates + Public Sector

Corporate Public Sector

Close

Home Loans

Affordability Bond Calculator

Day to day banking

Budget Future Value Credit Cards

Shares

Share Investor

Vehicle Finance

Vehicle Repayment Vehicle Purchase Price

Close

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

Close

News + Insights

Press Office Economics commentary Insights Business Hub

Close

Terms + Conditions

Product Terms and Conditions Promotions Terms and Conditions Legal Matters

About Us

World of FNB

News + Insights

Press Office Economics commentary Insights Business Hub

FNB Subsidiaries

Botswana Lesotho Ghana Namibia Swaziland Zambia Channel Islands

Close

Talk to us + important numbers

Contact us

Fraud + Disputes

Security Centre

Locators

ATM Locator Branch Locator/Book a Branch Visit eWallet GEO Locator

Tools

Switching Services Track and Trace Lead Form Tracking Upload Documents - For Me Upload Documents - For My Business Reporting a death Software Downloads FNB Approved Suppliers FNB Prospective Suppliers Verify Guarantee Verify Statements Verify Payments Verify Account Confirmation/Visa Application Letters eWallet balance enquiry

Close

Careers at FNB

Find out more about careers at FNB Apply here

Close

Close

All savings + investment accounts

Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

Share investing

Shares

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 Tax-free

Compare similar

Compare

Additional options

Show me all Help me chosse Find an advisor

Financial planning

Overview

Close

Close

Securities Based Lending

Call us on: 0860 263 362

Close

What it is

The use of the proceeds of a Securities Based Lending loan is unrestricted with proceeds typically used to:

  • Fund real estate
  • Refinance high interest debt
  • Finance business opportunities
  • Fund higher education
  • Purchase luxury items
  • Acquire a second investment portfolio

The beauty lies in the flexibility of this product to finance short-term requirements without disrupting long-term equity market strategies.

Close

Assets you can use

The following movable assets can be used as collateral:

  • Cash
  • Listed shares
  • Unit trusts
  • Local cash investments
  • Preferential shares
  • Exchange traded funds (ETFs)
  • Real estate investment trusts (REITs)
  • Government bonds
  • Guarantees
  • Unlisted shares (these will be evaluated to determine acceptability)
  • Offshore investments (these will be evaluated on a case-by-case basis to determine acceptability)

Close

Can I continue to trade on my portfolio?

Portfolios ceded against Facilities are generally on a non-discretionary basis and are held with a long term view. As a result trading on a ceded portfolio will not be permitted without the prior written consent of the bank. The consent of which shall not be unreasonably withheld.

Close

Margin call

A margin call is applicable if your portfolio drops below 85% of the initiation value. You will then be required to either increase your security or decrease your facility, thereby restoring your facility to the original loan-to-value.

Close

How much you get

The facility size is determined by the diversity, liquidity, serviceability and market value of your portfolio together with a full credit review by FNB Private Clients.

The loan to value amount is largely dependent on the diversity of your portfolio.

  • Up to 30% on a single counter portfolio consisting of non-top 40 shares
  • Up to 50% on a single counter portfolio consisting of Top 40 shares
  • Up to 50% on a balanced portfolio - provided:There are a minimum of five counters
  • No counter has more than a 25% weighting

Securities Based Lending

Get quick access to funds

The Securities Based Lending offering by FNB Private Clients is the ideal vehicle for getting quick access to funds - without having to liquidate securities - which means your investment portfolio can continue to move with the markets and grow.

What this is

Ideal for quick
access to funds

The use of the proceeds of a Securities Based Lending loan is unrestricted with proceeds typically used to:

  • Fund real estate
  • Refinance high interest debt
  • Finance business opportunities

How much you get

Funds arranged with
minimal paperworks

The facility size is determined by the diversity, liquidity, serviceability and market value of your portfolio together with a full credit review by FNB Private Clients.

Assets you can use

Assets as collateral

The following movable assets can be used as collateral:

  • Cash
  • Listed shares
  • Unit trusts
  • Local cash investments
  • Preferential shares

Things to consider

Additional considerations

Applying made easy

Close

Get in touch
Call me back

Close

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