Commercial Loans

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Talk to us about our Term Loan Product and let us be your solution:


  • Established in 1966
  • 395,246 members
  • Asset Portfolio accounts for 56% of GDP
  • Major investor and largest property owner
  • Credited $175m (5.75%) to member account in FY 2014
  • Total Portfolio size $4.5b - Commercial Lending represents 8% of the portfolio



Term Loan


Eligible investment sectors:

  •  Agriculture & Forestry
  • Manufacturing
  • Wholesale & Retail Trade
  • Hotels & Restaurants
  • Transport, Storage & Communication
  • Financial Intermediation
  • Real Estate & Business Services
  • Public Admin & Defense


Investment Restrictions and Prohibited Investment

  • Not more than 7.5% of the total market value of the portfolio can be invested in a single company.
  • Any activities considered illegal by Laws of Fiji.
  • Mining explorations or any form of explorations are prohibited
  • The Fund will not guarantee or take any


Our Loan Conditions

Minimum Loan Amount $ 1,000,000 and above and should not exceed two third of security value

Registrable Securities approved by the FNPF Board

It can be any of the following:

  • 1ST registered mortgage over freehold, CL, NL, unexpired term to be less than 50 years.
  • Debenture over all assets of the company.
  • Director’s guarantee or corporate guarantee.
  • Irrevocable assignment of rental proceeds or other rental.
  • Appropriate insurance cover.
  • Assets to be revalued regularly.
  • Loan agreement
  • Government guarantee.
  • Contract lien.
  • Novation of Borrower’s rights under all agreements relating to the project.
  • Any other registrable securities approved by the FNPF Board.

5 to 30 years

Interest only period during the construction is available.

Offer Valid for 30 days.
Cost All costs associated with the project to be borne by the borrower.
Valuation Valuation is to be conducted every 5 years by the Fund’s approved panel of valuers reflecting the value of development
Financials Annual projections & Audited Accounts



Our Fees and Charges 

Our Fees and Charges
Loan Administration Fees
  • $1,000 per quarter


One-Off Establishment Fee

$1,000,000 to $20,000,000  0.50% p.a
Above $20,000,000 to $ 40,000,000  0.45% p.a
Above $40,000,000 to $80,000,000  0.40% p.a
Above $80,000,000  0.35% p.a


Commitment Fees

To be charged where Credit Facility is not drawn during the following period:
From date of execution until first drawdown  0.25% p.a
From commencement of first drawdown until final drawdown 0.10% p.a
For undrawn loans that has been approved but remains undrawn after a period of 6 months. A fee of 0.5% p.a is to be charged 6 months after offer accepted until funds are drawn.  050% p.a
Settlement Fee
  • $500
Legal Cost
  • Borne by the borrower


The FNPF Board reserves the right to waive any fees and charges at its discretion.


Information Guideline

The following information are to be incorporated in your project proposal:

1. Applicant’s Background :

  • Company background
  • Ownership structure
  • Background on the Directors
  • Audited financial accounts for the past 3 years

2. Business Plan - Vision, Strategy of the project, Marketing and Sales Strategy, Operational and financial forecasts.

3. Succession Planning

4. Project Background

5. Structure of team - including qualification, experiences and references

6. Project Cost

7. Feasibility /market study conducted by independent professional

8. Funding Structure:

  • Equity Portion
  • Debt Portion

9 Finance Details

10 Term Loan

11 Interest Rate Sought

12 Future Projections :

  • During Construction
  • After commencement of Operations




Commercial Loans Brochure



Contact Us

Call (+679) 3307811

Monday – Thursday 08:30 a.m to 05:00 p.m (FJT)

Friday 08:30 a.m to 04:30 p.m (FJT)

Email us at  

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