Man working with dairy products
Working Capital Guarantee

Credit with the bank to finance your company's expenses

Does your bank advisor back away when you present ideas for your company's growth? With a Working Capital Guarantee from EKF, your bank will sleep soundly at night while you increase your line of credit. EKF assumes the bank's risk, and you have your credit for materials, wages and suppliers, allowing you to say yes to more orders and bigger orders.


You can obtain a loan in your bank even when it requests additional security.
You have the cash flow to accept more orders and bigger orders.
You have a stable, long-term financing package.
You can afford to invest and expand.

Requirements for your business

Your company’s export turnover must make up a minimum of 20 per cent of the total turnover in your most recent financial statements.
Your company must be creditworthy.
Your business must be conducted on an environmentally sound and socially responsible basis.
Your company must generate economic growth in Denmark.

How a Working Capital Guarantee works

A Working Capital Guarantee allows you to finance your company's current operating expenses.

We assume the majority of your bank's risk, and with us behind you, it is 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 gen-eral exports or single specific export orders.

Small crabs become a huge success with a Working Capital Guarantee

When small food company Carnad, from Løgstør in Denmark, had success with their crab extract, increasingly large orders began to put pressure on their cash flow situation. Eventually, they were forced to turn customers away. The solution was a Working Capital Guarantee from EKF and with this began the process of growth.

Read their story
The process

How to get a Working Capital Guarantee

Mejerist forarbejder på en fabrik.

You need more liquidity

You are getting more orders, or bigger ones, and your business needs greater liquidity in order to fulfil them. Or perhaps you need credit to finance your day-to-day operations.

Ikon for sikkerhed i EKF's rød og blå farve

Your bank requests additional security

Your bank would like to give you credit, but wants security in case anything goes wrong. We can provide that security.


The paperwork

Your bank fills out a form to rate your company, and you sign a declaration. The bank sends both documents to us, and we run a credit rating check on your company. If your transaction is worth more than DKK 25 million, we also perform a CSR assessment of your transaction (looking at environmental and social sustainability).

Ikon for Købsaftale i EKF's rød og blå farve

We send an offer

If we wish to cover the transaction, we send your bank an offer. Your credit rating and premium are specified in the offer. Your bank contacts you.

Ikon af håndtryk i EKF's rød og blå farve


You and your bank accept the offer, and your bank asks us to issue a Working Capital Guarantee.

En mælkeproducent står i en hal med malkemaskiner.

Your credit is available

We issue your Working Capital Guarantee, and you get your credit with the bank.

The small print and relevant documents

Contact an advisor
Chief Underwriter Per Holm Lynglund

Any questions about Working Capital Guarantee?

If so, call or write Per Holm Lynglund on telephone +45 3546 2643 or e-mail