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We are committed to providing our services so as to be able to meet your needs and expectations while protecting your as well as our health. Our team is now working primarily from home, with a view to minimising the risk of the infection spreading.

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Executive Director, KB Slovakia

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Homepage  Products  Trade finance  Export Buyer's Credit  Export Buyer's Credit

Export Buyer's Credit

Export buyer’s credit is intended for:

  • companies exporting to other countries (or foreign investors)

Characteristics of Export buyer’s credit:

  • a specific loan provided by the exporter’s bank to a foreign buyer/debtor
  • the debtor may be the foreign buyer’s bank or the foreign buyer himself/herself
  • usually provided up to the level of 85% of the value of the commercial contract, 15% of the value of the contract is settled by the foreign buyer by means of payment in advance
  • intended for financing export of goods and services which primarily originate in the Slovak Republic
  • cannot be drawn on until after performance of the agreed deliveries or work by payment of the amount directly to the exporter’s account
  • conditions for provision and payment of the loan are defined in the specific loan contract
  • provision of financing via Export buyer’s credit is usually insured by the Export-Import Bank of the Slovak Republic
  • insurance of Export buyer’s credit by the Export-Import Bank of the Slovak Republic:
    • covers credit risk of repayment of receivables from loans provided
    • protects the financing bank against the risk of non-payment of receivables by the foreign buyer or his or her bank as a result of territorial or commercial risks which cannot be insured on the market
  • the exporter must be a Slovak corporate entity (individually or as the leader of a syndicate with a foreign entity)
  • the project must contain the set share of deliveries of Slovak origin
  • analysis of the project and the debtor must be acceptable the financing must be soundly secured
  • cannot be used for financing small-scale consumer goods and agricultural products

Advantages of Export buyer’s credit:

  • fast payment of export receivables of the supplier from a loan provided to the foreign buyer or his or her bank
  • the loan does not burden the exporter’s balance sheet, the loan debtor is the foreign buyer or his or her bank
  • the loan allows Slovak exporters participating in tenders abroad to submit a financing proposal together with a technical offer. Komerční banka, a.s. prepares the offer of conditions subject to which it is willing to provide financing
  • simpler negotiation of related loan requirements of the exporter
  • help when choosing a suitable foreign partner on the basis of analyses performed by the parties participating in the project

Export buyer’s credit allows you to:

  • finance investment units including accompanying services and commissioning of the investment
  • finance partial deliveries of an investment and engineering character, including deliveries of spare parts
  • finance export of ships, nuclear power plants and aircraft (according to special regulations for this type of loan provision)
  • expand your foreign trade possibilities

How to establish/arrange the product:

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0800 118 100

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