Credit

Lines of Credit

Revolving capital, ready when you need it.

Credit Range

$10K – $1M

Draw Period

Revolving — up to 5 years

Interest

Only on drawn balance

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What it is

Understanding Lines of Credit

A line of credit (LOC) is a revolving facility that lets you draw funds up to an approved limit, repay, and draw again — paying interest only on what you use. Emison Capital arranges both business and personal lines of credit, giving you a standing reserve to smooth cash flow or seize opportunities.

How it works

A clear, five-step path to funding

1
Apply once — the line is approved and set aside for you to draw against.
2
Draw funds any time via bank transfer, check, or debit card.
3
You pay interest only on the amount actually drawn, not the full limit.
4
As you repay principal, that credit becomes available to use again.
5
Renew or increase the line as your business or income grows.

Basic requirements

What you need to qualify

These are typical baseline criteria. Every file is unique — our specialists work with you to strengthen your application before submission.

For business LOC: 6+ months in business and $10K+ monthly revenue.
For personal LOC: FICO 680+ and verifiable income.
Business or personal checking account in good standing.
No recent charge-offs or active collections.
3–6 months of recent bank statements.
Business tax return or personal W-2 / 1099 depending on line type.

Ideal for

Common use cases

Bridge gaps between accounts receivable

Cover payroll during seasonal slowdowns

Fund inventory or short-term projects

Emergency cash reserve

Fund marketing and growth without long-term debt

Ready to move forward?

Our specialists will review your profile in confidence and shape the strongest possible application on your behalf.

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