First National Bank (FNB)
Rolling intakeFNB Business Loan (Nav»» Business)
This programme accepts applications on a rolling basis. No fixed closing date.
Funding amount
R10 000 to R5 million
Unsecured and secured business loans for SMEs, accessible through the FNB App or FNB Online Banking via the Nav»» Business platform. Loan offers are pre-assessed based on FNB account behaviour, making the application process fast — often with same-day approval for qualifying customers. Also includes FNB Business Overdraft and Invoice Finance products.
Who qualifies
South African business with an FNB business account strongly preferred. No upper age limit. Pre-assessed offers are based on account history — businesses with consistent FNB transactional history receive faster, larger offers. New-to-bank applicants can apply but require more documentation.
What to prepare
Have these ready before you apply.
- SA ID document
- FNB business account (existing FNB customers preferred)
- Business registration documents
- Bank statements (3 months for pre-qualified; 6 months for new applicants)
- Financial statements (for amounts above R500 000)
Always verify eligibility and deadlines on the official source before applying.