Credit risks in export trade

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

Country classification

We closely follow world events that may have an impact on your business and export risks. Check the guarantees offered for different countries on our map application.


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.


Any claim for indemnification based on an export credit guarantee must be applied by a signed written application of the beneficiary of the export credit guarantee, i.e. the Guarantee Holder, usually the exporter or the bank.


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.

Export Receivables Guarantee

Intended for short-term exports to countries with political risk.

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.