Trade finance

Import

We help our customers choose the safest and most attractive form of securing their payment obligations.

Available solutions include:

• Import Letters of Credit
  A payment method that safeguards the interests of both the importer and exporter. It is irrevocable and subject to the fulfillment of specified conditions. It represents the obligation of the importer’s bank to pay the exporter once the exporter meets the terms of the letter of credit by presenting the required documents within the specified timeframe. It may include a prepayment clause allowing discounting of the deferred-payment letter of credit at the beneficiary’s request.
• Leasing with Letter of Credit
  Primarily used for importing fixed assets. It allows the importer to maximize the deferred payment period while providing the producer (beneficiary) with conditional and irrevocable payment assurance.
• Documentary and Clean Collections 
  A safer alternative to a bank transfer, initiated by the exporter, without involving importer’s funds before the payment due date.

Domestic and international guarantees

 

 

Our employees authorised
to sign e-Guarantees:

Wioletta Czerska

Sylwia Damulis

Beata Dąbrowska

Jarosław Herman

Anna Kaczyńska

Agnieszka Kubaszewska

Bartosz Paszak

Szymon Stelmach

Marzena Stolarek

Magdalena Wąsowska

Dorota Wiśniewska

Anna Woźniak

Grażyna Wysocka

Financing with support from export agencies

We provide customers with access to financing supported by Export Credit Agencies (ECAs). This financing can cover domestic and international investments, as well as working capital.

We have experience in cooperating with both foreign ECAs and the Polish Export Credit Insurance Corporation (KUKE). Our experienced team structures transactions based on the security instruments provided by these entities.

With ECA support, we participate in financing:

• Domestic investments, such as production capacity expansion or infrastructure projects;
• Foreign investments, including acquisitions abroad or investments in customer-owned foreign subsidiaries;
• Investments supporting energy transition in Poland, including within project finance structures;
• Ongoing business operations (for example: working capital loans, guarantees, letters of credit and supplier financing programmes). 

Working Capital / Structured Financing

We help customers optimise working capital financing through a broad range of products covering receivables, payables, and inventory. This can be done via bank products or factoring company products.

Whether the contract involves execution, services, or trade, and whether it is domestic, cross-border, or international, we can structure appropriate financing and security. We offer a full range of products and solutions to make this possible. We also take into account their balance sheet or off-balance-sheet presentation and efficient use of credit limits.

Flexible transaction structuring allows receivables financing in various forms based on customer preferences – recourse factoring, non-recourse factoring, or insured solutions. We stand out with our portfolio receivables purchase solution, which enables efficient approval of dispersed debtor pools for both domestic and international financing.

As one of the leading players in payables financing market, we offer tailored supplier financing programmes, either charged to suppliers (confirming) or our customers (reverse factoring).  We finance both domestic and international suppliers, strengthening customer-supplier relationships. Depending on needs, we can finance payables and advance payments. Our programmes feature fully electronic management via a modern web-based platform or host-to-host connections.