Guarantee for loss on claim for lender

This guarantee is aimed at banks that finance export contracts through a loan directly to the buyer or the buyer’s bank. The guarantee covers the risk that your foreign borrower does not pay according to agreement.

This guarantee protects against events that occur with effect from the day the claim arises, which is when the loan is disbursed. Disbursement of the loan should be made directly to the exporter.

With an EKN guarantee the bank receives compensation if the borrower does not pay, which makes it easier for the bank to offer a loan.

Transactions that can be guaranteed

You can apply for a guarantee for loss on claim for lender for different types of foreign transactions associated with the export of goods and services. EKN can cover both small and large scale transactions with this guarantee.



Apply in good time before the first loan disbursement. You must attach to your application a supplementary form from the exporter describing the transaction. An application for an offer costs nothing. For some transactions you may need to give supplementary financial information about your borrower. 

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EKN assesses the risks in the transaction and sends you an offer. The offer states the conditions and the premium, or in other words what the guarantee will cost you.

It is very important that you read EKN’s conditions and any supplementary conditions, prior to your requesting the guarantee, so that you know what is applicable to the guarantee.

Premium indication

Request guarantee

Inform EKN when you have an unconditional agreement in place, i.e. when both parties are bound by the agreement. Notify us when you have made a disbursement and wish to have the guarantee issued, no later than 30 days after you have made a disbursement. 

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EKN issues the guarantee and you pay the premium. In some transactions it is possible to pay the premium in instalments, in line with interest payments from the guaranteed loan.



You must inform EKN if your borrower has payment problems or if you have discovered anything about the borrower that might put payments at risk. Payment delays must be reported as soon as possible after a delay of 30 days, or according to what is stated in your guarantee. EKN will pay compensation for a clear and due claim after a waiting period of three months. We also then take over your claim.

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More information

In the fact sheet, you find a description of the guarantee, the conditions and information on how to apply. Please contact us if you have any questions, telephone +46 8 788 00 00 


Application forms

General conditions

Fact sheet

Loss on claim guarantee 2016