EthicHub connect groups of smallholder farmers on a profitable activity, with lenders from all over the world and with direct buyers, creating value to all parties. By combining lending and product sale services we use the coffee as collateral for the loan and improve unit economics. Now it is possible to serve smallholder farmers in a very profitable way. EthicHub creates value from mutual benefit: Lenders provide affordable loans to the smallholder farmers (only coffee producers in early stage) and direct buyers (coffee roasters in early stage) offer faire prices for the crops, enabling farmers to have the resources to payback the loans and to get free from the poverty and low productivity cycle.