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hi Im Kate I own a successful business that manufactures ventilation equipment and I need to grow my foreign sales though I can take part in the global economy I have potential customers overseas but they want to buy on credit terms rather than pay cash in advance thats risky for me Im worried about selling on credit and not getting paid but if I refuse I lose sales miss out on global opportunities and get my competitors an edge kate represents thousands of small business owners with similar concerns luckily Exim the export-import bank has a solution export credit insurance for foreign receivables its an insurance policy just like the one you have on your house or car and heres how it works Kate purchases export credit insurance when she sells her product to a foreign buyer on credit she pays Exim a premium when she shifts her product if her buyer doesnt pay she files acclaimed and Exim pays her up to 95 percent of the amount shes owed and export credit insurance does more than