Credit risks in export trade

If the realisation of an interesting deal depends, for instance, on granting a longer payment period, we can insure your agreement against credit losses.

The fewer the risks, the better the night’s sleep

In most cases, the risks associated with your company’s export trade arise from your customer’s inability or unwillingness to pay or from the country where the customer company is located.

Country classification

We closely follow world events that may have an impact on your business and export risks. Use the map application on this page to find information about Finnvera's country classification and country policy.


Finnvera's online service provides a secure and easy way for submitting financing applications.

Financing the export trade transactions of SMEs

In export trade, payment methods, risk mitigation and financing needs are an interlinked whole that you should discuss with your bank and Finnvera well before making your offer.


A claim for indemnification under an export guarantee can be submitted to Finnvera if the buyer of the export product fails, for example, to pay an invoice or a repayment instalment or if the buyer files for insolvency.


Receivables Purchase Guarantee

The guarantee protects the bank against credit risks when the bank purchases invoice receivables from the exporter in connection with foreign trade.

Buyer Credit Guarantee

A Buyer Credit Guarantee is a security to the lender in case of a credit risk caused by a foreign buyer, the buyer's bank or country.

Credit Risk Guarantee

A Credit Risk Guarantee insures the guarantee holder against credit loss related to an export transaction.

Bank Risk Guarantee

Bank Risk Guarantee protects the bank of a Finnish export company against risks involved in bank guarantees given to the exporter to secure payment of the purchase price.

Letter of Credit Guarantee

A Letter of Credit Guarantee protects a bank from commercial and/or political and/or sovereign risks related to a confirmed Letter of Credit.

Bill of Exchange Guarantee

Bill of Exchange Guarantee secures the lender against credit risks arising when the lender purchases a bill of exchange from the exporter.