Interest and premium rates

Risk Calculator

Calculate a cost estimate for buyer credit and supplier credit guarantees.

Eksfin’s premium is competitive, but is not intended to undercut the market. It must also be sufficient to cover our costs, including loss risk, as a single premium. As a rule, the entire premium is payable when the guarantee is issued, but annual premiums are also possible, most commonly when bank participation exceeds 20 per cent .


The premium is determined on the basis of repayment period, and is also influenced by such factors as:

  • Buyer’s creditworthiness: Eksfin assesses customer creditworthiness, i.e. the probability of payment by the customer.
  • Political conditions in the buyer’s country: Eksfin assesses the risk of political unrest arising in a foreign buyer’s country.

In certain cases Eksfin also charges an upfront fee and a commitment fee.

The premium calculator’s indication is most accurate for countries with somewhat elevated risk (applies to buyer credit and supplier credit guarantees).



Eksfin offers loans with two different sets of interest terms:

The interest payable to Eksfin does not include the guarantee premium payable to the loan guarantors. This will be set in accordance with the guarantors’ assessment of political and commercial risks relating to the project or the company being funded.The total payable interest rate thus equals the interest payable to Eksfin plus the guarantee premium payable to the guarantors.