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. The guarantee helps the exporter to arrange bank financing for an export transaction by transferring risks associated with the buyer, the buyer’s bank or the buyer’s country to Finnvera.

The Bill of Exchange Guarantee applies to situations where an exporter has granted a foreign buyer credit for purchasing Finnish goods and the buyer has accepted the payment terms and the bill of exchange as the debt instrument. With the security provided by the guarantee, the exporter can sell the bill of exchange without recourse to a bank and improve liquidity by converting receivables to cash.

Finnvera issues guarantees of less than 2 million euros without any security requirements and using a simplified process, documentation and a predictable pricing model. In addition, Finnvera collects information on bills of exchange in various countries.


Finnvera's online service provides a secure and easy way for submitting financing applications. Log in to the service using a Katso ID.

You may also submit the application in paper form. Complete the financing application form below and send it to Finnvera via email using the address mentioned in the form.

Online Service

029 460 11 (weekdays 9:00 a.m. and 4:15 p.m.)

Financial advice

029 460 2582 (weekdays 9:00 a.m. and 4:15 p.m.)

Other matters

029 460 2790 (weekdays 9:00 a.m. and 4:15 p.m.)

Helsinki Headquarters

Porkkalankatu 1

PL 1010, 00101 Helsinki

Kuopio Headquarters

Kallanranta 11

PL 1127, 70111 Kuopio

All contact information