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For whom is buyer’s credit insurance suitable?

When a foreign buyer borrows from a bank to pay for the exported goods, that bank may require insurance cover against insolvency of the buyer. Such buyer’s credit insurance often lowers financing costs and enables exporters to provide their trade partners with an attractive financing option. A variation of the above is financing insurance, where the payments of a foreign buyer are guaranteed with a letter of credit or another bank instrument.

Buyers’ credit and financing insurance cover applies for credit period exceeding two years and is regulated by an agreement between OECD countries regarding the offering of state export guarantees.


What are the most important terms?

  • Policy holder: a financing institution financing an Estonian export transaction
  • Insured risk: insolvency of buyer due to a commercial or political risk
  • Buyer: a legal person
  • Buyer’s country of location: generally not restricted, excludes Estonia
  • The service is related to a particular buyer and export transaction
    Insurance cover generally 90%
  • Payment term provided to buyers at least 2 years (up to 5 years for buyers in OECD countries)
  • Prepayment of a buyer at least 15% of the cost of the transaction*
  • Loan repayments must be in equal instalments every 6 months.*

* for insurance of credits exceeding two years

Necessary documents and additional material

Buyer's credit insurance application form

How to apply for the insurance?

Please fill out an application and send to us for review.

Additional information

Terms of credit insurance


Please read the buyer credit insurance terms and consult our customer account managers if necessary.

  • Külli Saarepera

    Client Manager

    (+372) 667 9086

  • Gert Veerpalu

    Client Manager

    (+372) 667 4135

  • Anneli Liinat

    Client Manager

    +372 667 9087

  • Kairi Vaade-Kuusemets

    Client Manager

    +372 667 4100

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