Lending solutions

Home

For Me
& My Family

For My Business

Corporates + Public Sector

Private

Calculators

Rates + Pricing

About FNB + Legal

Careers at FNB

What would you like to do?

Start new application

Retrieve existing application

Need help with the process?

Please select

For Me

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Please select

For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Please select

Start new application

Need help with the process?

Daily Banking

Tools

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

Services

DebiCheck and Debit Order Balance Alert Limit Alert LOTTO and PowerBall Prepaid products Soccer six Traffic fines Switching Services inContact Online vouchers Payments and Debit Orders DStv Payments Account Closure Guide

Switch to FNB

Product Shop

Bank better

Learn about banking FNB App guides

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

Corporates + Public Sector

Corporate Public Sector

Home Loans

Affordability Bond Calculator

Day to day banking

Budget Future Value Credit Cards

Share Investor

Vehicle Finance

Vehicle Repayment Vehicle Purchase Price

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

News + Insights

Press Office Economics commentary Insights Business Hub

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

Talk to us + important numbers

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

Careers at FNB

Find out more about careers at FNB Apply here

FNB App

How-to guides

Register with Online Register without Online Add beneficiary Pay recipient Manage cards Buy prepaid electricity Buy prepaid airtime and data Send eWallet Download verified statement Secure Chat® Reset your password

All savings + investment accounts

Cash deposits

Notice deposits Immediate access Access to a portion Fixed deposits

Share investing

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

Finance to buy agricultural property

This mortgage loan can be used to finance the purchase of farmland or capital improvements (e.g. buildings, dams and fences). The size of the loan is linked to the market valuation of the property to be mortgaged as security, your level of indebtedness and the extent to which you are able to repay the loan. The loan term can extend up to 15 years.

Finance to buy movable assets

Vehicles, machinery and plant assets can be financed through WesBank (a division of FirstRand Bank Ltd.), a partner of FNB.

Find a branch

Show branches which allow bookings
Show branches not affected by loadshedding
Show branches with extended operating hours
Show branches with wifi

Overdraft

An overdraft offers finance for seasonal production inputs and day-to-day expenses. It differs from a loan as it is repayable on demand. Your overdraft facility is linked to your farm's transactional account and reviewed annually. Debit balances are normally repaid after the harvesting season.

It provides you with working capital for day-to-day expenses and for the purchase of production inputs. It operates as a fluctuating overdraft facility that is perfect for farmers or farming businesses operating as sole proprietors, partnerships, close corporations, companies, trusts or co-operatives.

Benefits

You can access working capital for day-to-day expenses and to purchase items necessary for production.
Overdrafts are normally repayable on demand and reviewed annually.
The interest rate on your account can be linked to the prime lending rate.
Debit balances are usually repaid after the harvesting season.

Lending solutions

Help your farm run smoothly

Finance solutions that can be tailored for your business. Our solutions offer competitive rates with flexible repayment options.

Enjoy growth
Short-term loan
Medium-term loan
Long-term loan
Getting it made easy
Call me back

Enjoy growth

Call me back

Enjoy growth

Grow from strength to strength with our lending solutions

Because we understand the cyclical nature of farming, our finance solutions can help your farm run

smoothly and help you make the most of all your opportunities.

Your banker can conduct an analysis of your specific needs and provide a suitable solution tailored for

your farming business. You will be quoted a competitive rate, given flexible repayment options and receive

an answer on your loan application through a transparent process.

Short-term loan

Finance day-to-day expenses

A short-term loan will help you to survive when farming is just as unpredictable as the weather.

Credit cards

Offers you low cost + flexible access to credit while providing you with an easy way of managing your expenses.

Overdraft

Finance for seasonal production inputs and day-to-day expenses

Medium-term loan

Help to expand your farming business.

Finance for perennial crops, livestock and infrastructure

This product is perfect for when the loan amount can be repaid within five years or less.
It is suited to finance part or all of your annual production input costs, capital expenditure and livestock; including game, purchases and farm property improvements.
The purpose of the loan and the farming enterprise, together with the productive lifespan of improvements and the repayment ability of the business venture will determine the repayment term.

Finance for production projects and expanding production capacity

This loan product can be used to finance and expand your farm's production capacity.
It is the ideal solution to fund the establishment of orchards and vineyards, livestock purchases and production infrastructure such as dairy and poultry facilities.
It is perfect for established farmers or farmers with proven financial track records.
The type of farming enterprise and the economic lifespan of the asset will determine the repayment term, which can extend from five to 10 years.
The repayment of capital can be suspended for a limited period at the beginning of the repayment period.

Long-term loan

Help you to buy farmland + make capital improvements

Finance to buy agricultural property

e.g. buildings, dams and fences

Finance to buy moveable assets

e.g. vehicles, machinery and plant assets

Getting it made easy