First National Bank (FNB) is an integrated financial service provider which is no stranger to the agricultural sector. It offers a comprehensive package of financial solutions to its South African agricultural clients. It is evident that innovation is the key driver in FNB’s business operations, thus clients can be assured that FNB will fulfil their financial needs to the best of the bank’s ability; by designing financial solutions which best fit the client’s individual circumstances. The “How can we help you” slogan of FNB is taken far beyond an effortless approach, forming the bank’s holistic centre point of its operations and extends to engage in local and rural community development initiatives. Due to environmental sustainability, FNB is creating access to finance for the agricultural sector to ensure enterprise development and economic growth collectively.  

Financial products and services 

  • Short term loans (FNB overdraft)
    • This option is available to assist with working capital for day-to-day expenses and is packaged in the form of a current account that is interlinked with an overdraft facility or credit production account.
  • Medium-term loans (Agricultural project loans)
    • This option is medium termed and can be used to assist in the upgrading of the farm such as to purchase breeding livestock, plant orchard plantations or build farm buildings in order to ultimately improve the farms' net income.
  • Long term loans
    • This option is designed as a mortgage facility and can be used to purchase fixed assets such as farmland and to assist with capital improvements (buildings, dams and fencing). The size of the loan is linked to the valuation of the property to be mortgaged as security, the level of indebtedness and the extent to which you are able to repay the loan. The loan term is up to 15 years. 
  • Agricultural commercial cheque account 
    • This package can be exercised to manage the everyday working capital of a commercial base farming enterprise. Furthermore, it can also be used for upgrading and expansion purposes to the farm. 
  • Asset finance
    • The purchase of vehicles, machinery and plant assets can be financed through WesBank a partner of FNB.
  • FNB pre-plan account
    • It is a contract that provides seasonal finance for production inputs, however, it is only available for JSE listed agricultural products. Production will also be covered by insurance.

Potential beneficiaries

All participants in the agricultural value chain, from producers to distributors.

Application requirements

Financial assistance is dependent on individual merit and different indicators, such as the financial performance and position of the business, the repayment ability, the level of risk and the level of collateral.

  • A valid SA identity document (ID) or passport if not a SA resident.
  • Proof of residential address.
  • Income tax reference number.
  • Personal bank statements for the past 6 months.
  • Latest available financial statements.

Application process

An applicant can visit the nearest First National Bank branch where an agricultural executive or advisor will assist with applying for your product of choice. 

Funding threshold

Solutions are tailor-made to specifically meet the individual needs of clients.

Contact details

Responsible area  Physical address  Contact number

FNB Building, 
1 Enterprise Road, 

Gert Breet
Business Development Head
Tel: 087 335 5312 or 071 603 7356

Teresa Le Roux
Business Development Manager (Deal Maker)
Tel: 011 632 2000 or 082 577 7091

Western & Eastern Cape 3rd Floor,
Willowbridge Place, 
Cnr. Old Oak and Carl Cronje Drives, 
Arno Cloete
Regional Head
Tel: 087 736 6413 or 082 302 3621
Overberg 3rd Floor, Willowbridge Place,
Cnr. Old Oak and Carl Cronje Drives, 
Tygervalley, 7530
Johan Beukes
Agricultural Manager
Tel: 087 736 6411 or 082 372 4656
  3rd Floor, Willowbridge Place,
Cnr. Old Oak and Carl Cronje Drives, 
Tygervalley, 7530
Andries Van Zyl
Agricultural Manager
Tel: 012 678 9360 or 073 280 8703
West Coast & Cape Metro 3rd Floor, Willowbridge Place,
Cnr. Old Oak and Carl Cronje Drives,
Tygervalley, 7530
Michelle Swarts
Agricultural Manager
Tel: 087 736 6414 or 061 587 9719

























Alternatively, general enquiries can be directed to