The FNB Business Revolving Loan offers a flexible credit solution, ideal for businesses seeking accessible, reusable financial resources. This loan provides a credit facility that businesses can draw upon, repay, and reuse, mirroring a credit card but with the added advantage of larger loan amounts, starting at R20 000.

Repayment terms are flexible, typically extending from 3 months to 5 years, with the option for fixed or variable interest rates based on the company’s credit profile.

FNB’s online portal simplifies the application process, where businesses can simulate loan scenarios using the business loan calculator. This tool allows companies to input the desired loan amount and preferred repayment terms to understand potential monthly repayments and interest implications. Through this simulation, businesses can gauge the financial impact of the Revolving Loan on their cash flow, helping them make informed decisions about leveraging this financial product for their operational needs and growth strategies.



Benefits of the FNB Business Revolving Loan


  • Competitive Interest Rates: Tailored rates ensure cost-effective borrowing, aligning with business creditworthiness.
  • Flexible Repayment Terms: Customize repayments according to financial cycles, aiding in better cash flow management.
  • Quick Approval Process: Rapid decision-making, ensuring timely access to funds.
  • Streamlined Paperwork: Simplified application process with minimal documentation, saving time and effort.
  • Unsecured Loan Options: Availability of funds without collateral for qualifying loans, easing the borrowing process.
  • Substantial Loan Amounts: Access to significant credit limits, starting at R20 000, supporting various business activities and growth initiatives.


Repayment Discipline: Effective management of revolving credit is essential to prevent financial strain.

The FNB Business Revolving Loan offers a blend of flexibility and support, providing businesses with the tools they need for sustained growth and financial health.

Eligibility Criteria for FNB Business Revolving Loan

Applying for the FNB Business Revolving Loan requires meeting certain financial criteria to ensure eligibility. Key prerequisites include having a FNB Business Account in good standing and demonstrating the business’s ability to repay the loan. Also,  additional credit criteria will be applied. FNB may require detailed financial statements, including income statements, balance sheets, and cash flow statements, to understand the business’s financial activities and obligations.

FNB’s Legacy in Financial Services

First National Bank (FNB), one of South Africa’s “big four” banks, has a rich history dating back to 1838. As a pioneer in the banking industry, FNB has established a strong market presence, not only in South Africa but also across the African continent. Renowned for its innovative banking solutions, FNB has earned a solid reputation in the lending sector. The bank’s commitment to providing tailored financial products, including the FNB Business Revolving Loan, has cemented its status as a trusted financial partner for businesses of all sizes, consistently recognized for its customer service excellence and financial stability.

The FNB Business Revolving Loan fits best with

  • SMEs and Startups: Particularly those with fluctuating income cycles, needing a flexible cash flow solution to manage operational expenses and seize market opportunities.
  • Established Businesses: Looking for a strategic financial tool to support expansion projects or to smooth out seasonal revenue dips.
  • Entrepreneurs with Good Credit: Individuals who demonstrate financial responsibility and have a solid credit history, enhancing their eligibility for favorable loan terms.
  • Businesses Seeking Agility: Companies needing fast access to funds to react quickly to market demands or unexpected business expenses.
  • Long-Term Borrowers: Organizations intending to use the revolving credit facility over extended periods, benefiting from the reusability aspect of the loan.

This loan is particularly suitable for business entities that value financial elasticity and are in a stable position to manage a revolving credit line effectively.


How to Apply for a FNB Business Revolving Loan

Embarking on the FNB Business Revolving Loan journey involves a clear process:

  1. Initial Assessment: Start by ensuring your business aligns with FNB’s lending criteria, focusing on financial health and credit history.
  2. Document Preparation: Compile key documents, including business financials, identity verification and operational data.
  3. Application Process: Access FNB’s application portal online, visit a branch, or use the mobile app to submit your loan request.
  4. Financial Review: FNB evaluates your application, analyzing your business performance and creditworthiness to determine loan feasibility.
  5. Loan Offer and Acceptance: If successful, FNB presents a loan offer. Carefully review the terms before accepting to proceed.
  6. Disbursement of Funds: Once the agreement is signed, FNB will release the funds into your designated business account, ready for use.

FNB App: Your Digital Gateway to Business Financing

The FNB App streamlines the loan application and management process, offering a user-friendly interface for initiating loan applications, tracking loan status, and managing repayments. It provides seamless integration with your business banking needs, ensuring you have full control over your financial dealings. The app is available for both Android and iOS users, making financial management accessible anytime, anywhere.

FNB Business Loan Solutions: Driving Growth and Innovation

Beyond the FNB Business Revolving Loan, FNB provides a variety of loans catering to different needs:

  • Startup Loans: Tailored for new businesses, offering financial support from the ground up.
  • Growth Loans: Designed for established businesses aiming to expand operations or capital.
  • Asset Finance: Facilitates the acquisition of new equipment or vehicles for operational enhancement.
  • Commercial Property Finance: Supports the purchase or development of commercial real estate.
  • Agricultural Loans: Specialized loans for farming and agricultural projects.

These offerings illustrate FNB’s commitment to supporting businesses at every stage of growth with flexible and targeted financial solutions.

FNB Business Revolving Loan Customer Service

  • Phone Support: 087 730 5596 (Mon-Fri: 08:00-17:00, Sat-Sun: 08:00-14:00)
  • Official Website: For detailed information, visit FNB’s website
  • Branches: you get face-to-face support going to the nearest FNB branch, you can find it here.