Credit Line

Credit line is dedicated to helping you
meet all your unexpected liquidity challenges

Let’s Talk
Home » Businesses » Financing Services » Credit Line

Credit line

Credit line is aimed for financing of working capital. Credit line can be used by disbursement funds in tranches according to the needs to pay for various supplies purchases by the company or other operating expenses.

Advantages:

  • No periodic repayment
  • Flexible utilisation of credit. Customer has control over the use of the credit line
  • Credit disbursement or repayment requested by the borrower
  • Interest paid only on the used amount
  • Collateral – unsecured or secured with mortgage on real estate, fixed assets, inventory, accounts receivable, personal surety or corporate guarantee

Conditions

  • Financing amount from 50‘000 to 2‘000‘000 Eur
  • Purpose – financing of working capital needs
  • Agreement term – up to 3 years
  • Interest rate – fixed or floating with reference to 6 month EURIBOR + bank‘s margin
  • Repayment – partial regular repayments or full at maturity

Please visit Fees and Commissions page to see the applicable fees.

Apply now!

Please provide the required information and we will contact you within 1 working day.

Frequently Asked Questions

What is a credit line?
A credit line is a pre-approved borrowing limit that allows you to draw funds in portions as needed. You only pay interest on the amount you actually use.
What's the difference between revolving and non-revolving credit lines?
With a revolving credit line, repaid funds become available again. With a non-revolving credit line, once the limit is used up, no additional funds can be accessed.
Who is it suitable for?
It’s ideal for businesses needing working capital — especially those with long production cycles, extended customer payment terms, or seasonal cash flow needs.
What documents are required to apply?
  • Completed loan application
  • Latest annual and interim financial statements
  • Description of loan purpose
  • Financial forecasts
  • Property valuation report (if real estate is used as collateral)
What is the interest rate for credit line?

The interest rate is determined on a case-by-case basis and may vary from 4%

If you want to hear more about our credit line options

Let's Talk

Other Lending Options at
EMBank

We know that one size does not fit all, so we are working hard providing you various options to choose from. Let’s talk about how we can help you accelerate your business with the correct type of loan offering.

Working Capital Loans

Short-term loan to cater to your immediate working capital needs.

Learn more

Overdraft

No fixed terms, just flexibly whenever you need liquidity.

Learn more

Investment Loans

Perfect for fixed asset investments and for helping your business grow.

Learn more

Leasing

Renovate your business for increased efficacy with our leasing solutions.

Learn more

Need a Different Loan?

If the loan options listed above don’t cater to your needs

Let's Talk