Fiji Development Bank (FDB) Revolving Working Capital Term Loan
The FDB Revolving Working Capital Term Loan (RWCTL) is a short-term, renewable financing solution designed to keep your business moving — even when cash flow becomes tight. Whether you’re buying stock, covering operating expenses, or maintaining production cycles, the RWCTL gives you reliable, recurring access to funds when you need them most.
This facility empowers businesses across the Agriculture, SME and Commercial sectors, providing flexible draw-downs, interest-only options, and annual renewals based on performance. With security-backed lending and structured repayments, the RWCTL helps you operate with confidence, agility, and financial stability.
Loan Features
12-Month Revolving Facility – Access funds repeatedly within your approved limit. Renewal subject to review and performance.
Multiple Drawdowns – Withdraw only what you need, when you need it.
Flexible Repayment Options – Choose interest-only or structured repayments based on your cash flow cycle.
Fully Secured
Nil Equity Contribution
Interest Rate – subject to Bank current pricing matrix.
Normal FDB screening for credit assessment applies.
Facility Limit
All loan advances are subject to FDB’s standard security margin requirements.
Only formally registered assets—such as titled properties or registered leases—can be accepted as security.
Unregistered leases are not eligible.
FAQ’s
The RWCTL is a short-term, renewable financing facility designed to support the working capital needs of clients in the Agriculture, SME, and Commercial sectors. It provides recurring access to funds to meet operational cash flow requirements, with flexible repayment and multiple drawdown options.
provide short-term working capital for Agriculture, SME, and Commercial clients, offering recurring access to funds that support operational cash flow needs and enhance financial agility and sustainability whether it be inventory restocking, operating expenses, supplier payments, trade cycles & production needs or short-term liquidity support etc.,
Eligible applicants include:
- Existing Customers: Must have an active banking relationship with FDB for at least 3 years.
- New Customers:
– Commercial/Corporate Entities: Minimum of 5 years in continuous operation with proven financial management.
– Agricultural/SMEs: Must demonstrate at least 3 years of continuous operations.
- Applicants must have positive cash flow, satisfactory credit history, and comply with regulatory requirements.
1. Bank Statement for last 6 months.
2. Declaration of external debts – provision of latest loan statement.
3. Audited financial statement for last 3 years (if applicable).
4. Projected cash flow (if applicable).
5. Business plan and Ministry of Agriculture assessment of viability of proposal (if applicable).
6. Farming Experience: applicant must demonstrate farming experience appropriate to project proposed (if applicable).
7. Past Production: evidence of farm production for past 3 years (if applicable).
8. Valid Tax Compliance Certificate.
9. Valid FNPF Compliance.
10. Valid Business Registration Certificate.
11. Right of Land Use & Building – copy of registered title, current lease or approval notice over land to be used by proposed projects, Tenancy Agreement.
12. Valid valuation report for landed securities from Bank’s Panel of valuers.
13. Any additional requirements as determined by the Bank.
Applicants can apply:
– Online: Submit pre-qualification documents through the FDB online portal.
– Traditional/Branch: Submit documents physically at the nearest FDB branch.
All required documents must be complete for the Bank to process the application.
As per Bank’s credit risk management guidelines.
Nil commitment fee.
| Application Fee | ||
| Traditional | Up to $19,999.99 | $50 |
| $20,000 to $49,999.99 | $100 | |
| $50,000 to $99,999.99 | $200 | |
| Online | Nil | |
| Approval fee | ||
| Traditional | More than $100,000 | $1,000 |
| Online | Up to $99,999.99 | $50 |
| More than $100,000 | $1,000 | |
| Establishment Fees | ||
| Traditional/Online | Up to $4,999.99 | $50 |
| $5,000 to $19,999.99 | $250 | |
| $20,000 to $49,999.99 | $500 | |
| More than $50,000 | 1% of loan amount | |
| Commitment fee | Nil | |
| Bank Service fee | Up to $4,999.99 | $10/month |
| $5,000 to $19,999.99 | $12.50/month | |
| $20,000 to $49,999.99 | $20.00/month | |
| $50,000 to $99,999.99 | $40.00/month | |
| $100,000 to $499,999.99 | $50.00/month | |
| $500,000 to $999,999.99 | $100.00/month | |
| More than $1M | 0.020% /month | |
| Security Documents | As defined in the Banks Fees and charges Brochure | |
- All other charges as defined in the Banks Fees and charges brochure will apply.
Call a Branch close to you – Find our branches OR email us at info@fdb.com.fj