Working capital credit guarantee

With a working capital credit guarantee the bank shares the risk with EKN when the bank provides working capital in the form of overdraft facilities or invoice discounting. EKN guarantees 50 per cent of the amount granted. The credit term should not normally amount to more than 24 months. An overdraft credit may not be for longer than 12 months.

A working capital credit guarantee makes obtaining capital easier for small and medium-sized companies with no more than 250 employees and an annual turnover of SEK 500 million – both exporting companies and sub-contractors to exporting companies, also when they are part of a larger group.

Credits that can be guaranteed

The need for capital can be for expenses that arise before an export order is signed or after the agreement. It must be separate from the borrower’s need for more long-term risk capital or equity, for example to establish itself as an exporter. If the application refers to an overdraft or loan that is not to finance a specific export transaction, a significant part of the borrower’s turnover must represent exports of Swedish goods or services.

If the borrower is a sub-contractor, a significant part of the exporting company's turnover must represent exports of Swedish goods or services.


More information

Please contact us if you have any questions, telephone +46 8 788 00 00 

Apply via EKN Online

General conditions

Fact sheet

Working capital credit guarantee 2016