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:
In addition, we can help you traverse the transformation shareholding landscape in your business with the provision of the following BEE advisory services:
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:
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.
Your transactional needs
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.
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
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.
Solutions that suit your business life stage
A dedicated team of bankers including experienced relationship and advisory managers.
Gain a competitive advantage with our relevant sector-specific solutions.
Make payments, transfers and view activity on your Business Account 24/7 on Online Banking Enterprise™, Online Banking and the FNB App.
Our financial service solutions integrate seamlessly into your business systems.
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.
Your corporate advisory needs:
Your 'beyond banking' needs
For businesses with an annual turnover
of R60 million and above.