Commercial transactions with foreign partners involve significant risks in both purchasing and sales. These risks are further exacerbated by long payment terms. As a rule, banking transactions are secured with bank-confirmed letters of credit. These result in significant financing requirements. Furthermore, it is not always easy to obtain sufficient credit lines from banks, as they usually exclude certain countries or make only a small volume available. Once the credit line with the bank is exhausted, the financing option is generally exhausted as well.