Inwestycje Finansowanie i doradztwo

Buyer's Bank Credit Facility

For Who
Mikroprzedsiębiorstwa; MŚP; Duże firmy
Type of service and support
Kredyt
Application duration Indefinitely
Support amount
Nie więcej niż 85 proc. wartości eksportu; minimalna wartość umowy kredytowej to około 1 mln EUR
Own contribution
Nie mniej niż 15 proc. wartości eksportu
Territorial scope
Cała Polska

This credit facility is designated exclusively for financing the procurement of Polish capital goods and investment services by importers situated in jurisdictions characterised by elevated risk profiles. The extension of this credit is contingent upon the execution of an export agreement (contract) between the exporter and the importer.

The credit is granted directly to the local financial institution operating in cooperation with the importer (buyer). Consequently, this framework enables the local bank to extend direct financing under highly favourable terms to the importer who has entered into the export contract with the Polish enterprise. The primary collateral securing the repayment of the facility is an insurance policy issued by the Export Credit Insurance Corporation (KUKE S.A.), which is applied for directly by our institution.

Conditions for Facility Extension

The credit facility for the buyer's bank may be granted subject to the satisfaction of the following cumulative criteria:

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The exported items fulfil the rules of domestic origin pursuant to the 2014 Regulation of the Minister of Economy
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The export operations possess a distinct investment character
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Our institution has formally approved the buyer’s bank and has an available credit limit designated for said entity

Application Path

  1. The exporter, importer or the buyer’s bank submits a formal transaction inquiry to Bank Gospodarstwa Krajowego (BGK), detailing the specific parameters of the commercial transaction.
  1. BGK analyses the transaction data and conducts preliminary consultations with KUKE S.A. Subsequently, BGK presents an initial financing offer. Upon acceptance of this proposal, the formal application process commences.
  1. The buyer’s bank conducts a credit assessment of the importer. Subject to a satisfactory credit rating, the buyer’s bank submits a formal credit application to BGK. Following a positive credit decision by BGK, a draft credit agreement is presented to the buyer’s bank, its terms are negotiated and the agreement is formally executed.
  1. On the basis of the executed credit agreement, BGK enters into a "Framework Agreement with the Exporter". This document delineates the operational protocols, terms of credit and disbursement mechanisms.
  1. Upon satisfaction of all conditions precedent for utilisation and following the delivery of goods or the completion of a contractual service milestone, the exporter presents the requisite commercial documentation confirming the execution of the export contract to BGK. Provided the documents comply strictly with the contractual stipulations, BGK disperses the funds due for the delivered commodities or rendered services directly to the exporter’s account, while concurrently debiting the credit account of the buyer’s bank. The commercial documentation is subsequently transmitted to the importer’s bank for release to the importer.