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Ex-Im Bank currently rates its long-term, medium-term and short-term Financial Institution Buyer Credit (FIBC) transactions using a credit classification or "CC" based pricing system. CC levels are determined based on the credit risk of the buyer. For descriptions of the five levels of private buyer risk, please see below under the links for Credit Classification Definitions. Please note that short-term single buyer ELC and ESS policies will continue to be rated according to country risk. The Short-Term Fee Advice Tables formerly used to rate short-term single buyer transactions have been replaced with the Short-Term FIBC Fee Calculator and Short-Term ELC & ESS Fee Calculator found below.

Medium-Term Financing

Ex-Im Bank's medium-term insurance and guarantees support financing for capital goods and services enabling U.S. exporters or lenders to offer extended credit terms to their international customers, including repayment terms of up to 7 years for financed amounts of $10 million or less. The length of the repayment term Ex-Im Bank supports depends on the dollar size of the transaction, the useful life of the items, and the country of the buyer.

Long-Term Financing

Ex-Im Bank also supports long-term financing for transactions or projects that are over $10 million. Repayment terms are typically up to 10 years, but can be up to 12 years for large civil aircraft and non-nuclear power plants, and up to 18 years for nuclear power plants and certain renewable energy and water sector exports.

Short-Term FIBC Financing

Ex-Im Bank's Financial Institution Buyer Credit (FIBC) policy is a policy held by a financial institution that provides direct and/or reimbursement loans to a single buyer, enabling financial institutions to offer credit terms to their international customers up to 360 days. The length of the tenor and percentage of coverage Ex-Im Bank supports depends on the product being financed.

Short-Term ELC & ESS Financing

Ex-Im Bank's Short-Term Single Buyer ELC & ESS policies are exporter held policies covering one or multiple credit sales to a single buyer (with and without a letter of credit), enabling exporters to offer credit terms to their international customers up to 360 days. The length of the tenor and percentage of coverage Ex-Im Bank supports depends on the product being financed.