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< R10m annual turnover

For My Business

> R10m annual turnover

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For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

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Staffing Solutions Employee benefits

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Corporate Public Sector

All savings + investment accounts


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Financial planning

Overview


Partnering with you to help


grow your business

Your capital raising and borrowing needs

Leveraged Finance and Commercial Property Finance

We understand that businesses go through various life cycles and require a variety of bespoke term debt solutions to support their growth and unique needs at each cycle or stage. We can help you pursue strategic growth opportunities by optimising the financial structure of your business and advising on specialised term debt solutions on a leveraged basis or for commercial property focused initiatives.

Bespoke Capital Raising

We can assist your business by raising equity capital to support business growth, exit and wealth realisation plans. We have a wide network of capital providers (including RMB Ventures and RMB Corvest) that are seeking investment opportunities in the commercial segment. Capital raising is considered suitable for:

  • Business' requiring capital for growth (with limited capacity for additional debt/mezzanine funding)
  • Businesses' looking for a strategic partner to take the business further
  • Shareholders looking to exit part or all of their business
  • Structuring and advisory management buy-outs and other staff schemes
  • Support balance sheet restructuring

In addition, we can help you traverse the transformation shareholding landscape in your business with the provision of the following BEE advisory services:

  • Developing a BEE strategy regarding the ownership element
  • Identification of suitable BEE partners
  • Managing the process (from business valuation to share transfer where appropriate) and/or
  • Sourcing of capital to support the transaction

Financial Advisory

We advise on raising debt when debt and growth requirements are beyond the capacity of the bank. By putting in place, a security structure that allows multiple lenders to share in the security, your business will realise the following benefits:

  • Allows your business to access capital beyond the limits of one bank
  • It allows FNB to solution for your business using other lenders as participants in the lending structure
  • Cleaner capital structures to support long term financing needs
  • This is likely to be a cheaper long term capital structure

In addition, we have a specialist team that can either advise your business on buying and selling certain business interests or implement risk management hedging strategies and instruments.


Helping you find the solutions to


to run your business

Your transactional needs

  • Transactional bank accounts
  • Receipting solutions (Cash handling, Merchant Services, forex receipts)
  • Payment solutions (Procurement, payroll, forex payments)
  • Reporting, reconciliation and notification solutions


Partnering with you to help


grow your business

Your investment needs

Cash Investments

Our specialised investment solutions offer great investment returns to match your specific access and availability needs. With growing surplus cash balances, we can help support your business with fixed or notice investment accounts. We partner with you on your money management journey by optimising your returns based on your unique managed and operational day-to-day cash flow needs.


Partnering with you to help


grow your business

Your transactional needs:

Line Of Business (LOB) Integrations

We enable our clients to realise the benefits of a seamless interface with the bank (either via API or host-to-host interfaces) and develop a mutual capability to integrate our innovative transactional services - receipting and payment solutions - into their operational processes via their Line of Business and/or ERP systems. Integration leads to better realisation of the client's operational efficiencies, headcount optimisation, risk mitigation and governance.

Integrated Receipting Solutions

Our integrated receipting solutions are available with multiple integration options to cater for our client's specific needs - front office and back office - line of business formats and unique system requirements. Whether card acquiring, EFT acquiring, cash handling, or cross border receipting, our clients are able to select the integration format of their choice and realise the benefits of seamless customer experience, process optimisation, fraud prevention mechanisms and other receipting capabilities based on their desired level of integration sophistication and maturity. In addition, our clients are able to extract detailed 'in-depth' analysis of their customer's purchasing and consumption behaviours with opportunities to 'sell-in' to the FNB retail customer base.

Integrated Payment Solutions

  • Payments
    Our integrated payment solutions are available with multiple integration options to cater for our client's specific needs - front office and back office - line of business formats and unique system requirements. Whether procurement, infrastructure-focused payments or payroll focused payments, our clients are able to select the integration format of their choice and realise the benefits of a seamless beneficiary or supplier verification and security, process optimisation, fraud prevention mechanisms and other payment capabilities based on their desired level of integration sophistication and maturity.
  • Payroll solution
    Our integrated payroll solution offers our client's the ability to offer their employees multiple value-adding staffing services - whether specific employer only bank account offers or unique/bespoke benefit and savings schemes.

Reporting, Reconciliation and Notification Solutions

Our reporting, reconciliation, referencing and notification solutions can be tailored to our client's unique needs thereby enhancing their back office process efficiencies and creating a better service for their customers. Enabling greater real-time transparency minimises risk and increases fraud detection.

Customer Behaviour Insights

Our clients are able to extract detailed in-depth analysis of their customer's purchasing and consumption behaviours with opportunities to 'sell-in' their products and services to the FNB retail customer base. This capability is enabled via our Merchant Insights system - a dynamic tool that filters enquiries from our client's executives to analyse their underlying customer's purchasing and consumption patterns in the context of competitor brands, geospatial/territory dynamics and regional trends.

Enterprise Business

Going beyond
traditional banking

Solutions that suit your business life stage

  • Experienced and dedicated relationship and advisory managers
  • 24/7 specialist availability when there is a critical need
  • Integration of our financial services and systems into your unique line of business systems and operating structures to provide seamless and efficient interactions
  • Access to SLOW Domestic, International and City lounges

Reasons to


Switch your business

Team of bankers

A dedicated team of bankers including experienced relationship and advisory managers.



Sector-specific solutions

Gain a competitive advantage with our relevant sector-specific solutions.



Digital Banking

Make payments, transfers and view activity on your Business Account 24/7 on Online Banking Enterprise™, Online Banking and the FNB App.



Financial service solutions

Our financial service solutions integrate seamlessly into your business systems.



Tailored business solutions


To help run your business

Working capital solutions to suit your borrowing needs like an Overdraft, Structured Trade Finance, Debtor Finance and Asset Based Finance. Notice deposit solutions that understand your unique investment needs like a Business Call Account, 48 Hour Cash Accelerator, 7 Day Notice and 32 Day Flexi Notice.

We offer suitable solutions for your transactional needs like a transactional bank account, receipting solutions like (cash handling, Merchant Services and forex receipts), payment solutions including procurement, payroll and forex payments and reporting, reconciliation and notification solutions.

 

Helping you find the solutions to


Optimise your business

Your corporate advisory needs:

  • Bespoke corporate capital raising solutions (Private Equity, Venture Capital, Principal Investments)
  • Advisory solutions (Transformation, hedging, buy-side and sell-side support)

Your 'beyond banking' needs

  • Human Resources optimisation, Employee Benefits and Staffing Solutions
  • Bespoke insurance optimisation
  • Government interactions and interfaces
  • Financial risk management and insights that deliver 'more customers through your stores'
 

Switching made easy


Enterprise Business

Qualifying criteria

For businesses with an annual turnover
of R60 million and above.

Apply now!

Other ways to apply

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