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Man checking huge steel part for industrial use
SME Guarantee

Win the order by offering your customer competitive financing

When you offer your foreign customers competitive financing, they are more likely to order from you. Long-term credit is a strong selling point. With an SME Guarantee from EKF, you can offer your cus-tomer financing on orders of up to DKK 25 million without running unnecessary risk. And even though your customer buys on credit, you still receive payment on delivery.

What we offer

Win more orders by offering attractive financing.
Competitive edge.
You receive your money immediately, even though your customer buys on credit.
Compensation if your customer fails to pay.

Requirements for your business

The customer must be creditworthy.
You must sell facilities, equipment and machinery or other goods that can be financed via a long credit period of minimum 181 days.
Your company must help to generate economic growth in Denmark.
Your business must be conducted on an environmentally sound and socially responsible basis.

How an SME Guarantee works

The SME Guarantee puts small and medium-sized enterprises in a better position to offer a customer in a foreign country long-term credit on a specific export order of up to DKK 25 million. The nice thing is that, even though your customer is granted credit, you receive your money on delivery. 

How is this possible?

It is possible because you immediately sell the credit agreement to your bank with a full guarantee from EKF. This means the bank will pay you the money on delivery while the bank will be paid by EKF, if, unexpectedly,  the customer is unable or unwilling to pay. With EKF's guarantee, your bank has the security that it requires in order to be involved.

Form3 increases sales with SME Guarantees

Danish company Form3 Retail designs and builds attractive shops for well-known brands both in Den-mark and abroad. The architectural firm develops 40–50 new projects every year, and thanks to SME Guarantees from EKF, they can safely accept more.

Read their story
The Process

How your buyer obtains financing with a Buyer Credit Guarantee

Mejerist børster oste.

You want to offer your customer credit

Your customer wants to place an order with you, but wishes to buy on credit. You would like to help your customer, but do not want to offer credit yourself.

Ikon for sikkerhed i EKF's rød og blå farve

Your bank requires security

Your bank would like to help you offer your customer credit. However, the bank wants to be certain it will be paid. Either you or your bank contacts us.

View the list of banks who have signed up to the SME Guarantee.

Banks that have signed up to the SME Guarantee
Ikon af kreditvurdering i EKF's rød og blå farve

We run a credit rating check on your customer

We run a credit rating check on your customer. Your customer must be creditworthy in order for us to be involved.


The paperwork

Once we have agreed based on the credit screening, your bank must complete a form online. The bank attaches three documents that you have completed and signed.
See the documents.

Relevant documents for the SME Guarantee
Ikon for Købsaftale i EKF's rød og blå farve


We send your bank an offer once we have looked through the paperwork. Then you negotiate the overall credit package on-site with your customer. In general, the credit is documented via bills of exchange.

Murere cementerer på en bygning.

And we're done

We issue an SME Guarantee to your bank, and you receive your payment immediately. Your customer services the credit without you being involved.

The small print and relevant documents

Contact an advisor
Underwriter Mikkel Gram-Jensen

Any questions about the SME Guarantee?

If so, call or write to Underwriter Mikkel Gram-Jensen on telephone +45 22 89 45 06 or e-mail

The SME Guarantee does not meet your needs?