Lending Solutions

Emerio Banque Ltd offers its corporate clients lending services that can fully meet their needs for financing ongoing operations, and also provides companies long-term financing for investment projects. Emerio arranges loans to international corporate clients incorporated in various jurisdictions around the world.

Emerio Banque arranges commercial loans on terms that take into account the specific industry and segment in which a company operates. Our range of products includes overdrafts, credit lines for working capital financing, investment loans secured against commercial real estate, back-to-back lending and loans secured against tradable securities.

Under its policy on interest rates, Emerio sets standard rates to attract funding and baseline (minimal) lending rates, as well as individually set rates (on case by case basis) that take account of risk premium and potential for origination of additional business with the borrowers.

Medium- and long-term lending

If your company needs funds to acquire a business or promising commercial real estate, extend its production capacities, finance the acquisition of complex equipment or to finance reconstruction, Emerio Banque Ltd arranges medium- and long-term lending solutions in various currencies.

Depending on the structure of the deal, as part of its medium- and long-term lending programme, Emerio can arrange loans and credit lines or issue a letter of credit. The maximum value of a credit line is set on the basis of an assessment of a client’s creditworthiness and its loan repayment capacity based on its formal legal capacity, the specific nature of its operations, its financial sustainability, the risks associated with implementing the project for which financing is required and the borrower’s credit history.

For medium- and long-term loans, Emerio requires collateral in the form of pledged property, including commercial real estate or other types of collateral. The value of collateral must cover the principal amount, the interest and any risks we may incur if it is forced to sell the collateral. Money is lent by issuing a one-off loan or by opening a credit line based on an examination of individual investment projects.

Overdrafts

Emerio Banque Ltd offers local medium-sized businesses operating in various jurisdictions (subject to Terms & Conditions) overdraft products in order to address short-term financing needs, with the overdraft with monthly repayment, as well as overdrafts designed to top up working capital with a predefined term of sustained debt. The maximum term for an overdraft is 12 months.

Working capital financing credit lines

Credit lines for business finance are intended to be used by local businesses that need to attract additional financing in order to meet their working capital needs as part of their main business operations. This type of business finance operates on the basis that the borrower will be provided a revolving credit line limit, and the loan is granted in the form of individual tranches. The size of any one tranche must amount to at least 20% of the credit line limit, and the term of the outstanding debt applicable to each tranche may not exceed six months.

This type of credit product requires the borrower to transfer operating cash flows and credit turnover to its current accounts opened with Emerio Banque Ltd, and must be secured with collateral. The cap on the revolving credit line limit is set on a case-by-case basis, taking into account the client’s financial strength, the average monthly credit turnover from its main business operations, and an assessment of the proposed collateral. At the same time, the value of the collateral must cover the size of the principal, the interest and any risks the Bank may incur if it is forced to sell the collateral.

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