FNB Business Overdraft
FNB Business Overdraft is a loan from First National Bank for growth, established businesses across South Africa. Applications are accepted on a rolling basis.
Overview
A revolving short-term credit facility linked to an FNB Business Account: you pay interest only on what you use, with no minimum monthly payment while you stay within the agreed limit. FNB does not publish a limit range or turnover threshold - your qualifying amount depends on your credit profile, and personal surety may be required.
Programme details last verified on 12 June 2026.
Full Description
Flexible overdraft facility linked to your FNB business account. Manage day-to-day cash flow fluctuations easily.
Eligibility Criteria
Frequently Asked Questions
Who qualifies for FNB Business Overdraft?
FNB Business Overdraft targets growth, established businesses across South Africa.
When is the deadline for FNB Business Overdraft?
Applications are accepted on a rolling basis.
How do I apply for FNB Business Overdraft?
Check your eligibility with the free readiness check on Okhantu, prepare the required documents, then apply on the provider's website.
Prepare Your Application
Increase your chances of success with these preparation resources.
Provider Guide
Learn about First National Bank's application process
Document Checklist
Requirements and deadlines
Download Templates
Business plan, cash flow, projections
Legal Framework
Relevant legislation and compliance
Compliance Check
Verify your CIPC, SARS, B-BBEE status
Get Expert Help
Find a funding specialist