For larger projects, a longer credit period is often a good selling point. With a sale of receivables, an exporter can offer precisely this without burdening their balance sheet with the receivables arising from the export business. For their bank, the business is relatively low-risk as commercial and political risk are covered, at the same time OeKB can provide them with attractive financing.

Fact sheet on sale of receivables

Your situation

You are an Austrian company that produces capital goods and/or complete plants, and would like to conclude a supply and/or service contract with an international client and offer them a mid to long-term credit period without having to include the incurred receivables in your accounts or bear the associated risk of non-payment.

As the exporter's bank, you wish to purchase the receivables from the export transactions. For this purchase of receivables, you need coverage and attractive refinancing.

Our service: sale of receivables with an export guarantee

As an exporter, you can grant your international client a mid to long-term credit period without over-burdening your balance sheet by selling the export receivables to your bank.

Your foreign customer repays the credit in accordance with the export contract, in the case of an "undisclosed purchase of accounts receivable" to you, and with a "disclosed purchase of accounts receivable" to your bank.

How does the G9 guarantee cover the bank’s purchase of receivables?

The G9 guarantee provides your bank with the necessary cover to purchase your receivables. If the customer abroad does not pay the receivables resulting from the export contract, the risk is still largely covered.

Here you can see a list of countries for which we can offer a G9 guarantee:


The G9 guarantee can also be the Basis of attractive financing.
The security of a G9 guarantee can also form the basis for attractive financing.

Your benefits:

The sale of receivables provides you with immediate liquidity, turning the credit into a cash transaction.

The receivables no longer show up on your balance sheet.

A longer credit period for your customers abroad makes your offer more attractive.

The costs

Handling fee
0.1% of the sum insured
(minimum 10 euros, maximum 720 euros)
The premiums are dependent on the political risk in the target country, the creditworthiness of the customer abroad or of their guarantor, and the project term.
Country information
Repayment period under 2 years Please contact our Service Centre.
Repayment period of 2 years or more Premium calculator


Attractive refinancing of banks for the purchase of receivables with an export guarantee

We offer very attractive financing instruments through domestic and foreign commercial banks based on your coverage. The interest rates depend on the financing requirements.

Interest rates for individual financing

We offer financing in euros and foreign currencies.
We offer financing in euros and foreign currencies.

Here you can find an overview of current interest rates.

The interest rate is based on the planned duration and structure of the credit disbursements and repayments, and can be calculated easily using the OeKB Loan Pricer on my.oekb.

How to get coverage for yout sale of receivables

  1. Your bank makes an application, ideally online using my.oekb, or in writing, by post or email.
  2. We evaluate your application and submit it to the advisory board.
  3. After receiving approval from the advisory board, the Republic of Austria assumes liability and you get your export guarantee.
  4. You benefit from our attractive financing conditions.

Your partner in all phases of your project

With the export guarantee, you can carry out your export transactions without having any coverage concerns. We are your reliable partner for covering and financing from day one. Contact us early on so that we support you from the very start with

  • Estimate for your calculation
  • Letter of intent
  • Preliminary commitment
  • Guarantee when concluding the contract.


It's worth talking to us during the planning phase. We can support you with a reliable estimate for coverage so that you can factor in insurance costs from the very beginning.

Letter of Intent

We can strengthen your position with a letter of intent (LOI) to confirm that we can, in principle, guarantee your project.

Preliminary commitment

As soon as you start negotiating with your business partner and the bank, we can issue you a preliminary commitment that has already been approved by the advisory board. This involves only a minimal handling fee.

Export Guarantee

Once the contract is concluded, if the risk exposure remains unchanged, you can quickly turn a preliminary commitment into an effective guarantee without the need for further advisory board approval. Keep in mind that it is important to contact us before any risk arises.


Combined guarantee for comprehensive coverage

With the combination G1G9, you are covered right from the start of the project until payment has been made in full.

OeKB supports your project from the start of production until the last payment has been made by your buyer. With a combined G1G9 guarantee, you are completely covered with just one policy. Learn more about the comprehensiveness of the G1 guarantee here.
For more information

As a bank, you can make the application online on my.oekb or download, fill in and send the forms by post or by email to the Export Services Service Centre. Please also take note of our general business conditions.


Apply for export guarantees conveniently online

Using my.oekb, you can apply for and manage export guarantees online. If you already have general access to my.oekb, you only need to apply for access to the Online export guarantees service. If you do not have access yet, simply register online here: Online registration Export Services

Contact us!

If you require more detailed information or an individual consultation, please do not hesitate to contact us.

Client Advisory Export Services
T +43 1 53127-2600

Your bank as a partner

Ask your bank about covering the sale of receivables.

Attractive financing for your foreign business partner

With a coverage, you can pave the way to attractive financing with tied financial credit for your foreign buyer.
for more information

Claim processing

If a payment under your export transaction covered by a federal guarantee is at risk, please contact us immediately.