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Buyer Credit Guarantee

Offer your customer financing for million-figure orders and gain a stronger position

When you offer your foreign customers financing, they are more likely to order from you. Long-term financing is a strong selling point, and puts you one step ahead of your competitors. With a Buyer Credit Guarantee from EKF, you can offer your customers financing at no risk to you, while receiving your payment immediately. A Buyer Credit Guarantee has no restrictions in terms of the amount, and can be used for large, million-figure orders, typically financed by a Danish or international bank.

What we offer

Long-term bank financing for your foreign customers.
Competitive edge.
You carry no financing risk, and receive your money immediately.
Compensation to the bank if anything goes wrong.

Requirements for your business

The customer must be creditworthy.
You must sell facilities, equipment and machinery or other goods that can be financed via a long credit period of minimum 181 days.
Your business must be conducted on an environmentally sound and socially responsible basis.
Your company must help to generate economic growth in Denmark.

How a Buyer Credit Guarantee works

The Buyer Credit Guarantee puts Danish export companies in a better position to offer a customer in a foreign country long-term financing on a specific export order. Many Danish exporters use this financing solution as an extra selling point when negotiating contracts abroad. 

With a Buyer Credit Guarantee, EKF guarantees payment to a bank that gives the foreign customer a loan so that they can pay you. The guarantee means the bank is certain of getting its money back, since EKF compensates the bank if, for example, the foreign customer is unable or refuses to pay, money cannot be transferred out of the country, or if war breaks out in the country. 

The process

How your buyer obtains financing with a Buyer Credit Guarantee

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You want to offer your customer long-term financing

Your customer wants to place an order with you and also hopes to obtain financing for the order. You are keen to help your customer, and together you find a bank that is interested in financing the order, typically a major Danish or international bank, who can offer a lower interest rate and longer credit period than the customer could obtain at home.

Ikon for banken i EKF's rød og blå farve

The bank requires security

The bank is willing to take on a certain amount of risk for the transaction, but the bank also wants to obtain risk coverage for part of the financing. This is where EKF comes into the picture.

Ikon af kreditvurdering i EKF's rød og blå farve

EKF runs a credit rating check on your customer

The bank contacts EKF, who assesses the customer's credit rating and the political risk in the customer's country.


The paperwork

If EKF can approve the customer and the country, the bank should prepare an application to be processed by. EKF also conduct a risk assessment in regard to environmental protection and human rights based on the IFC's performance standards and guidelines.

Relevant documents for the Buyer Credit Guarantee How we work with CSR
Ikon for Købsaftale i EKF's rød og blå farve


EKF issues an offer with a term of six months, which the bank can use when and if the overall financing falls into place.

Fragtskib sejler langs flodbred

And we're done

EKF issues a Buyer Credit Guarantee to the bank, and you can deliver the order and receive your payment immediately. The customer services the bank loan, but as an exporter, you carry no financing risk since you are not a party to the financing. 

The small print and relevant documents

Contact an advisor
Chief Underwriter Anders Vium Gjelfort

Any questions about Supplier Credit Guarantees?

If so, call or write to Chief Underwriter Anders Vium Gjelfort on telephone +45 3546 2688 or e-mail

The Supplier Credit Guarantee does not meet your needs?