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Improve your working capital

Manage and mitigate risk

Ease of doing business

Improve your working capital

Working capital is at the center of exporting and importing. The right type of working capital financing can enable new business and strengthen business relationships. Secure your cash flow without imposing payment time requirements on your counterparty that could ruin the deal. 

Factoring
  • Factoring is a set of services with financing as the main focus. 
  • Credit control of receivables standing as collateral, ledger maintenance, first collection and reporting are provided as add-on services.

Read more about factoring

Factoring

  • Factoring is a set of services with financing as the main focus. 
  • Credit control of receivables standing as collateral, ledger maintenance, first collection and reporting are provided as add-on services.

Read more about factoring

Trade Term Loans
  • Short-term credit for import and export transactions
  • Access to working capital financing provides buyers with extended payment terms and suppliers with improved cash flow

Read more about Trade Term Loans

Trade Term Loans

  • Short-term credit for import and export transactions
  • Access to working capital financing provides buyers with extended payment terms and suppliers with improved cash flow

Read more about Trade Term Loans

Currency Loan
  • Currency Loan is a versatile financing option. 
  • It is particularly suitable for companies with income or investments in a foreign currency.

Read more about Currency Loans

Currency Loan

  • Currency Loan is a versatile financing option. 
  • It is particularly suitable for companies with income or investments in a foreign currency.

Read more about Currency Loans

Manage and mitigate risk

There are various risks – both in domestic and international, established and new markets - and surprises do happen. Fortunately, most of them you can prepare for. We offer versatile risk management solutions in terms of commercial, political and financial risks. 

Bank guarantee
  • Mitigate performance and commercial risks in case transaction parties fail to meet contractual obligations. 
  • Increase your buying power or negotiate better payment terms by offering additional security for your counterparty. 

Apply for a bank guarantee

Bank guarantee

  • Mitigate performance and commercial risks in case transaction parties fail to meet contractual obligations. 
  • Increase your buying power or negotiate better payment terms by offering additional security for your counterparty. 

Apply for a bank guarantee

Letter of credit
  • An internationally recognized payment method to lower the risks in transactions – especially suitable for newly established trading partners. 
  • Bank commits to the payment once agreed conditions are met – safeguarding both the seller’s payment and the buyer’s goods. 

Read more about letters of credit

Letter of credit

  • An internationally recognized payment method to lower the risks in transactions – especially suitable for newly established trading partners. 
  • Bank commits to the payment once agreed conditions are met – safeguarding both the seller’s payment and the buyer’s goods. 

Read more about letters of credit

Documentary collections
  • A payment method used in international trade for the seller/buyer to strengthen their position in a trading transaction. 
  • An extra level of security for the established trade relationship – when in need. A buyer pays to the seller upon receiving the required documents. 

Read more about import and export collection

Documentary collections

  • A payment method used in international trade for the seller/buyer to strengthen their position in a trading transaction. 
  • An extra level of security for the established trade relationship – when in need. A buyer pays to the seller upon receiving the required documents. 

Read more about import and export collection

FX hedging
  • Boost your business overseas by using the local currency.
  • Prepare for exchange rate fluctuations through various hedging solutions – together we can find the hedging solution that suits you best.

Hedge against foreign exchange risks

FX hedging

  • Boost your business overseas by using the local currency.
  • Prepare for exchange rate fluctuations through various hedging solutions – together we can find the hedging solution that suits you best.

Hedge against foreign exchange risks

Interest rate hedging
  • Interest rate hedging helps you improve the predictability of your business.
  • Manage your company’s interest rate risk with an interest rate swap, interest rate cap or interest rate collar.

Prepare for interest rate changes

Interest rate hedging

  • Interest rate hedging helps you improve the predictability of your business.
  • Manage your company’s interest rate risk with an interest rate swap, interest rate cap or interest rate collar.

Prepare for interest rate changes

Ease of doing business

Foreign trade does not have to be complicated. From us, you can get versatile services to make trade more efficient and to make everyday life easier. With our solutions, trading is smooth, and you can easily manage your services and monitor the market – anywhere, anytime.

Trade Finance Global
  • Get a complete real-time overview of all your guarantees, letters of credits and collections.
  • Trade Finance Global supports easy and fast processing through a secure and encrypted digital environment available 24/7.

Read more about Trade Finance Global

Trade Finance Global

  • Get a complete real-time overview of all your guarantees, letters of credits and collections.
  • Trade Finance Global supports easy and fast processing through a secure and encrypted digital environment available 24/7.

Read more about Trade Finance Global

AutoFX services
  • FX automation solutions for a wide range of situations.
  • FX automation will free up time from manual work so that you can focus on tasks that actually require it.

Read more about AutoFX services

AutoFX services

  • FX automation solutions for a wide range of situations.
  • FX automation will free up time from manual work so that you can focus on tasks that actually require it.

Read more about AutoFX services

e-Markets
  • A free-of-charge tool for better currency management and trading.
  • Buy or sell currencies, secure exchange rates and stay up to date with research.

Apply for e-Markets

e-Markets

  • A free-of-charge tool for better currency management and trading.
  • Buy or sell currencies, secure exchange rates and stay up to date with research.

Apply for e-Markets

Foreign currency account
  • An account for managing your payment transactions outside the euro area in the currency of your choice.
  • Benefit from interest rate fluctuations or hedge against exchange rate risks without having to convert currency into euros.

Foreign currency account

  • An account for managing your payment transactions outside the euro area in the currency of your choice.
  • Benefit from interest rate fluctuations or hedge against exchange rate risks without having to convert currency into euros.
Fixed-term Foreign Currency Account
  • A foreign currency account with a fixed interest rate to be agreed when you open the account.
  • You can choose a deposit period between one day and five years depending on your needs.

Hedge against foreign exchange risks

Fixed-term Foreign Currency Account

  • A foreign currency account with a fixed interest rate to be agreed when you open the account.
  • You can choose a deposit period between one day and five years depending on your needs.

Hedge against foreign exchange risks

Currency payment
  • An easy way to make or receive a payment in a foreign currency. 
  • Make currency payments to other Finnish banks or overseas and euro payments to non-European countries

Read more about currency payments

Currency payment

  • An easy way to make or receive a payment in a foreign currency. 
  • Make currency payments to other Finnish banks or overseas and euro payments to non-European countries

Read more about currency payments

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Corporate customers