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Home > Businesses > Business Loans > Credit Line

Credit Line


A credit line is a credit facility where only the monthly accrued interest is paid during the term of the credit line. If you have funds available before the maturity of the credit line, you can repay and then re-use the principal amount as and when it is needed. The full debt is repayable upon maturity of the credit facility. A credit line is granted for working capital needs.

Benefits of a credit line:

  • Simple – easy to use and repay

  • Low interest – you pay the accrued interest on the used portion of the credit line and a minimum fee on the unused portion

  • Effective cash management – with a credit line, you can repay and re-use the principal amount based on your business needs. Unlike a standard business loan, a credit line allows you to reduce the principal amount and re-use it up to the established limit based on your business needs.

Credit lines have a maturity of 12 months



Agro Credit
Can be used for Working capital, Fixed assets, Real estate and Other business needs

Floating Loans
Business loans with a floating interest rate can be issued in GEL or USD

Credit line
A credit line is a credit facility where only the monthly accrued interest is paid during the term of the credit line

Business overdraft
A business overdraft is a loan facility intended to provide short-term liquidity

Short-term business loan
A short-term business loan is helpful for one-off transactions/investments or for the start-up of new business lines.

Credit limits
Creditworthiness is the maximum amount which you can obtain from the bank based on the solvency of your business.

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