Working Capital Guarantee
We guarantee the timely repayment of a loan to finance exporter’s current operating expenses. A Working Capital Guarantee can be used in relation to company’s general exports or a specific export contract.
Benefits
A better chance of getting a loan
The exporter is able to obtain financing from the bank to develop its current operations, including the export of goods and services under an individual export contract.
Increased funding
In its dealings with the bank, the exporter is able to significantly increase the amount of financing available. A loan repayment guarantee from KUKE allows for an increase in credit capacity and enables the bank to provide the company with up to five times more financing.
Lower risk means better financing
Solutions backed by State guarantees carry zero risk weighting and, consequently, do not require the bank to set aside reserves against the financing provided.
This improves the bank’s financial performance on the transaction and acts as an incentive to provide more extensive financing to the exporter.
Who is eligible
An exporter applying for a working capital loan to finance an export contract.
Do you have trouble selecting the right solution for your business? Contact us!
Our consultant will help you choose the right package of solutions to support your company's foreign expansion.
Jakie są warunki współpracy w przypadku udzielenia gwarancji spłaty kredytu eksportowego?
- The loan granted by the bank may not exceed a period of two years (including the disbursement period and the loan repayment period).
- The guarantee is provided at the exporter's request to the bank financing the export contract.
- A guarantee is issued based on a predefined guarantee limit or on an individual basis.
- A guarantee based on a predefined guarantee limit can be used by exporters who can establish that their current activity is related to exports.
- This means that over the last three years, the revenues from exports have accounted, on average, for at least 20% of total revenues. If the entrepreneur has been in business for only three years, he will be required to demonstrate this share of exports in sales in the first three years. KUKE assesses the exporter’s financial standing and establishes a limit up to which guarantees can be issued. The limit will be set for a period of one year, after which it will be evaluated.
- If the entrepreneur does not meet the limit criterion, he has the option of obtaining guarantees on an individual basis to secure financing for a specific export contract.
- The guarantee covers up to 80% of the exporter’s obligations, and the period of repayment of obligations secured by the guarantee may not exceed 719 days.
Do you have questions?
Please contact us
Krzysztof Kwaterski
+48 603 132 660
Kinga Zychowicz
+48 605 251 057
Solutions for large companies
Manage credit and investment risk comprehensively.
- Our solutions are tailored individually to meet the needs of your business.
- We support sustainable growth of Polish enterprises both in the local market and abroad.
We will help you choose solutions best suited for your business
Export Support System
Solutions tailored to exporters for the secure growth of their businesses both at home and abroad.
Payment guarantees
We ensure that exporters settle their debts to their suppliers – both in Poland and abroad – on time.
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Tap into new markets or boost your export potential in the market where you already operate.