Rating based on 96 reviews

FNB Business Loan

  • Business loans up to R100,000
  • Fixed interest rate
  • Repayment up to 6 months

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FNB Business Loan homepage
Author FNB Business Loan. Screenshot of FNB Business Loan website.
[Accessed August 31, 2021]

About FNB Business Loan

We take care of business because that’s what we do best!

FNB created a structure that provides our client’s access to decision-makers and creative credit solutions that has been streamlined for loan approval processes. If you’re looking for a bank to power your success, look no further, First National Bank is here to help you power that success.

We can assist in your cash flow needs

We are ready to assist you to make the most of growth and mitigating risk. We work with you to evaluate your tolerance for risk and cash flow needs. The establishment of FNB can be traced back to 1838 and this makes it the oldest credit organisation in South Africa. Currently, it is a division of FirstRand Bank Limited. Throughout its history, the bank has proven that it is fully capable of overcoming challenges successfully and that it is fully dedicated to its clients.

Our culture

The Acacia tree on our logo symbolises our strong bond with the country and the growth we have achieved by serving our customers and the community. In 1998, Rand Merchant Bank Holdings together with Anglo American formed FirstRand Limited.

Throughout the merger, FNB became a subsidiary company of FirstRand. Since 1999, FirstRand Bank is the entity representing the banking interest of FirstRand.

FNB Business Loan Services

With great consideration for the unique challenges, businesses face at the local level and feature a management structure that provides access to decision-makers.

At FNB you’ll find relationship managers who recognise your needs and are professionals in financing solutions that best suit your short-term and long-term objectives.

FNB is one of the leading banks in South Africa

We offer banking services to individuals, private parties, businesses, large companies and corporations. The bank is proud to contribute to the growth of the community in addition to developing its business successfully.

This long history reveals the bank's core values - the ability to overcome challenges and emerge even stronger and the dedication to serving people. We have deep roots in the country just like our symbol - the Acacia tree. We have grown by fully meeting the needs of our customers and the community.

Competitive interest rates

The First National Bank business loans have competitive interest rates, but they will depend on the individual borrower. The terms and conditions are quite flexible, especially when it comes to the loan amount, the collateral, the term of the loan and the repayment schedule. These are valuable benefits to have.

FNB Business Loan – Business loan

  • Loan Type Business loans
  • Loan Amount up to R100,000
  • Repayment 30 days to 6 months

Benefits of FNB Business Loan

  • Fixed monthly repayment
  • Easy online application
  • Fixed interest rate

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

At FNB, we strive to meet your every need, APPLY today

FNB is a leading provider of financial products and services with a solid reputation and perfect reliability.

In fact, it is the oldest bank in South Africa and this gives it huge credibility. It is a completely trustworthy partner for businesses of all sizes.

What FNB offers

FNB offers medium to long-term business loans to established companies. The minimum loan amount available is R50 000, but you can borrow as little as R2 000 as well. This kind of flexibility is highly beneficial, especially for small and micro-businesses. Generally, the actual loan amount depends on the profits of the company.


The typical term is 1 to 5 years, but you can choose to repay the FNB business loan in just 3 months in order to save on interest. This makes the loans suitable for cash flow management as well as for capital investment. You can opt for a 3-month repayment holiday at the beginning of the loan's term. This is a huge benefit to have. Few other lenders give you this kind of opportunity.

Benefits of FNB's loans

Perhaps the major benefit of the FNB business loans is that you have the option of obtaining them without collateral. In general, the loans are secured, but if you have been a long-term business client of the bank with solid performance, you will be able to borrow as much as R400 000 without using any security.

Provided flexibility

There are also flexible online loans that enable you to borrow on capital that you have already paid. They are designed to help you grow your business even further. They are useful for managing your day to day finances and for making small investments, but you have to take into account the risk.

The economy is creating challenges for business owners from all industries. At times Finance is difficult to obtain, especially if you are just starting out. However, you should not give up, but explore all possible options with First National Bank business loan we can work out the best solution for your unique requirements.

Give us a call today and get your business rolling!!

Customer Reviews & Testimonials

May 2019

We went to the bank to get advice about a loan for our business they had advised us that we should actually loan less and pay it off quicker and we have taken their advice and it’s been great.

Henry C
— Port Elizabeth —

June 2019

They will contact you and they will make sure that you get the best service for your business like they did with us.

Jordan S
— Cape Town —

April 2019

We have been granted our loan and the service is very fast.

Remy B
— Johannesburg —

FNB Business Loan Contact

Physical Address

  • 3, First Place, Pritchard St & Simmonds St, Bank City Johannesburg Gauteng 2000 South Africa
  • Get Directions

FNB Business Loan Universal Branch Code

  • 250655

Postal Address

  • PO Box 1153, Johannesburg, 2000, South Africa

Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 09:00 – 17:30
  • Thursday 08:00 – 17:30
  • Friday 08:00 – 17:30
  • Saturday 08:00 – 13:00
  • Sunday – Closed