Export Fund Framework Credit

The Export Fund Framework Loan offers small and medium-sized enterprises in the tourism and leisure industry, as well as incoming travel agencies based in Austria, an affordable and flexible financing solution for the pre-financing of export receivables. As a permanently available SME framework loan, it strengthens liquidity by refinancing approximately 14% of the annual foreign sales plus up to one-twelfth of this amount as a monthly portion. The funding line is aligned with the regulations of the Austrian Control Bank (OeKB) and is provided in cooperation with house banks. A prerequisite for loan disbursement includes, among other things, membership in the Federal Division for Tourism and Leisure Industry of the WKO as well as a relevant share of foreign sales generated by international guests or incoming tourism.

Starting from a minimum loan amount of €35,000, the maximum loan amount is calculated individually based on foreign sales plus a fixed monthly portion. Interest rates correspond to the nationally subsidized conditions of the OeKB refinancing, while collateral is generally secured through guarantees from the house bank or first-ranking mortgages. Thanks to the credit line that can be drawn at any time, the liquidity reserve remains flexibly usable to close short-term financing gaps in export receivables. Applications can be submitted continuously, enabling businesses to respond quickly and easily to changing market demands.