What is export financing?

Export financing is a financing solution that enables financing of foreign trade invoices immediately after delivery. You receive the invoice amount in euros immediately, and you don't need to wait for the foreign customer's payment or worry about currency risks.

Which countries can export be financed to?

We finance export trade to numerous countries in Europe, the Nordics and worldwide. Availability depends on the target country's risk level and the customer's creditworthiness. Ask us – we'll assess possibilities on a case-by-case basis.

How is currency risk managed?

You always receive financing in euros regardless of the currency of your export invoice. The currency conversion risk transfers to us. You can agree on the trade in your customer's own currency without your company being exposed to exchange rate risk.

How much does export financing cost?

The price consists of financing interest and a possible credit insurance premium. Pricing depends on the target country's risk level, customer's creditworthiness and the invoice payment term. Request a quote to get an exact price for your export trade.

Does the financing include credit insurance?

Yes, export financing can include credit insurance that protects against the customer's insolvency and country risks. The insurance typically covers 90–95% of the invoice value.

How long payment terms can I offer customers?

With financing, you can offer your customers payment terms typically from 30 to 180 days. Longer payment terms improve your competitiveness in international markets without burdening your own cash flow.

What documents are required?

Typically we need the trade agreement, export invoice, bill of lading and any certificates of origin. Exact requirements depend on the nature of the trade and the target country. We'll guide you through the documentation.

Is export financing suitable for small companies?

Yes, export financing is suitable for export companies of all sizes. Especially for SMEs, it is a valuable tool for offering competitive terms to international customers without compromising your own cash flow.

Export financing

Export Financing

Export financing helps Finnish companies expand into international markets safely.

Why choose export financing?

Benefits of export financing

Currency hedging

Protect yourself from currency fluctuations. You receive financing in euros regardless of which currency your customer pays in.

Credit insurance

Export financing includes credit insurance that protects your company from the foreign customer's insolvency and country risks.

Financing in euros

You receive financing in euros as soon as delivery is made. No currency risk, no waiting – your cash flow remains stable and predictable.

Long payment terms for customers

You can offer your international customers competitive payment terms (60–180 days) without it burdening your own cash flow.

International network

Our extensive international partner network enables export financing to numerous countries. We know the local markets and practices.

Risk management

We manage export trade risks comprehensively: credit risk, country risk, currency risk and political risks. You can focus on selling.

How export financing works

From export trade to financing in four steps

Export trade agreement

You agree on the trade with your foreign customer. Contact us already at the offer stage so we can help with financing planning and term optimization.

Export trade agreement

You agree on the trade with your foreign customer. Contact us already at the offer stage so we can help with financing planning and term optimization.

Send invoices to us

After delivery, you send us the export trade invoices and documents. We verify the documents and your customer's creditworthiness.

Send invoices to us

After delivery, you send us the export trade invoices and documents. We verify the documents and your customer's creditworthiness.

Receive financing in euros

We pay the invoice amount to your account in euros, typically within 1–2 business days. You don't need to worry about currency rate changes.

Receive financing in euros

We pay the invoice amount to your account in euros, typically within 1–2 business days. You don't need to worry about currency rate changes.

Your customer pays on due date

Your foreign customer pays the invoice in the agreed currency on the due date. We handle the currency conversion and, if necessary, international collection.

Your customer pays on due date

Your foreign customer pays the invoice in the agreed currency on the due date. We handle the currency conversion and, if necessary, international collection.

"Finnish SME exports deserve a safe financing solution. When currency risk and credit risk are under control, the company can focus on what it does best — international sales and opening new markets."

— Aaron Vihersola

Founder & CEO, Suomen Rahoitus

Financing expert | Over 5 years of experience in business financing solutions

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