What we do

Working Capital Guarantee

​With a working capital guarantee, your company will find it easier to secure credit from your bank to pay for materials, wages and suppliers while you fill the orders.

  • Advantages of Working Capital Guarantee

    You can obtain credit from your bank when it requests additional security.
    A Working Capital Guarantee will enable you to get the bank credit you need to develop your company.

    You can accept more orders
    When we provide a guarantee to your bank, you will have easier access to credit from the bank – and thus the cash flow to accept more and larger orders.
    Stable financing package
    A Working Capital Guarantee provides the additional security to make your financing stable and long-term. A Working Capital Guarantee will allow you and your bank to concentrate on business.

    You will be able to invest and expand
    With better credit conditions, you can afford to take on more staff, implement your growth strategy or otherwise grow your business.
  • What is Working Capital Guarantee?

    A Working Capital Guarantee helps you finance your current operating expenses. We assume part of the bank’s risk, making it more attractive for your bank to give you credit.
    ​A Working Capital Guarantee can cover your operating credits and guarantees in relation to your company’s general exports or individual specific export orders.
  • How does Working Capital Guarantee work?

    ​EKF issues a guarantee to your bank to provide security for the loan. By doing so, we take over the main part of the risk faced by the bank.
    ​With the backing of EKF, the bank will be able to offer you the loan required to take on more customers and bigger orders.
  • What does Working Capital Guarantee cost?

    ​​EKF charges a premium for issuing a Working Capital Guarantee.

    Small and medium-sized enterprises (SMEs) pay a premium set by the EU, depending on the credit rating of the enterprise.

    Your credit rating will be assessed by EKF, based on the financial statements of the last three years.

    You will be credit rated in a category going from A (best credit rating) to B-. The category determines the premium you will pay to EKF.
    ​The premium payable by large companies is determined based on current market conditions.

    Rating     Premium p.a.
    A             0.55%
    BBB         0.8%
    BB           2.0%
    B+           3.8%
    B-            6.3%

    In addition, you will pay interest and costs to your bank for your loan. Your bank can give you the total price.
  • Terms & conditions regarding Working Capital Guarantee

    Conditions for generally applicable credit facilities, i.e. loan facilities that are not linked to a specific export transaction. Examples include operating credits and guarantee limits.
     
    What does EKF cover?
    EKF covers a maximum of 50% of the bank’s total loss on the company when all collateral has been realised, and the final loss on the bank’s total exposure to the company has been determined.
     
    How much does a Working Capital Guarantee cover?
    You can obtain a Working Capital Guarantee for an amount corresponding to a maximum of half of your company’s annual export turnover. The same applies to sub-suppliers, who can obtain a Working Capital Guarantee of a maximum of half of the value of their indirect annual export turnover.
     
    The Working Capital Guarantee cannot exceed 50% of your total bank exposure after the establishment of the new credit or guarantee.
    An EKF Working Capital Guarantee provides cover for up to three years.
     
    There is no minimum amount. Conditions for specifically applicable credit facilities apply, i.e. loan facilities linked to a specific export transaction, which can be used only in this connection. Examples include processing credits and advance payment guarantees.

    What does EKF cover?

    EKF can provide a guarantee of up to 80% of your liquidity need for manufacturing the order.
     
    How much does a Working Capital Guarantee cover?
    Working Capital Guarantees linked to specific export transactions can amount to up to 80% of your total bank exposure after the issuance of the new credit or guarantee.

    If a specific order is involved, the guarantee may extend beyond three years. There is no minimum amount.

Advantages of Working Capital Guarantee

You can obtain credit from your bank when it requests additional security.
A Working Capital Guarantee will enable you to get the bank credit you need to develop your company.

You can accept more orders
When we provide a guarantee to your bank, you will have easier access to credit from the bank – and thus the cash flow to accept more and larger orders.
Stable financing package
A Working Capital Guarantee provides the additional security to make your financing stable and long-term. A Working Capital Guarantee will allow you and your bank to concentrate on business.

You will be able to invest and expand
With better credit conditions, you can afford to take on more staff, implement your growth strategy or otherwise grow your business.

What is Working Capital Guarantee?

A Working Capital Guarantee helps you finance your current operating expenses. We assume part of the bank’s risk, making it more attractive for your bank to give you credit.
​A Working Capital Guarantee can cover your operating credits and guarantees in relation to your company’s general exports or individual specific export orders.

How does Working Capital Guarantee work?

​EKF issues a guarantee to your bank to provide security for the loan. By doing so, we take over the main part of the risk faced by the bank.
​With the backing of EKF, the bank will be able to offer you the loan required to take on more customers and bigger orders.

What does Working Capital Guarantee cost?

​​EKF charges a premium for issuing a Working Capital Guarantee.

Small and medium-sized enterprises (SMEs) pay a premium set by the EU, depending on the credit rating of the enterprise.

Your credit rating will be assessed by EKF, based on the financial statements of the last three years.

You will be credit rated in a category going from A (best credit rating) to B-. The category determines the premium you will pay to EKF.
​The premium payable by large companies is determined based on current market conditions.

Rating     Premium p.a.
A             0.55%
BBB         0.8%
BB           2.0%
B+           3.8%
B-            6.3%

In addition, you will pay interest and costs to your bank for your loan. Your bank can give you the total price.

Terms & conditions regarding Working Capital Guarantee

Conditions for generally applicable credit facilities, i.e. loan facilities that are not linked to a specific export transaction. Examples include operating credits and guarantee limits.
 
What does EKF cover?
EKF covers a maximum of 50% of the bank’s total loss on the company when all collateral has been realised, and the final loss on the bank’s total exposure to the company has been determined.
 
How much does a Working Capital Guarantee cover?
You can obtain a Working Capital Guarantee for an amount corresponding to a maximum of half of your company’s annual export turnover. The same applies to sub-suppliers, who can obtain a Working Capital Guarantee of a maximum of half of the value of their indirect annual export turnover.
 
The Working Capital Guarantee cannot exceed 50% of your total bank exposure after the establishment of the new credit or guarantee.
An EKF Working Capital Guarantee provides cover for up to three years.
 
There is no minimum amount. Conditions for specifically applicable credit facilities apply, i.e. loan facilities linked to a specific export transaction, which can be used only in this connection. Examples include processing credits and advance payment guarantees.

What does EKF cover?

EKF can provide a guarantee of up to 80% of your liquidity need for manufacturing the order.
 
How much does a Working Capital Guarantee cover?
Working Capital Guarantees linked to specific export transactions can amount to up to 80% of your total bank exposure after the issuance of the new credit or guarantee.

If a specific order is involved, the guarantee may extend beyond three years. There is no minimum amount.
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