Agricultural value chain finance is reshaping farmer access to capital by linking financing to supply chains, future harvests, and commercial contracts rather than traditional collateral. Powered by digital platforms, blended finance, and ESG-focused investment, it is strengthening food security, rural economies, and financial inclusion worldwide.

By Tetiana Tomash, Michael Cottakis, and Kristjan S. Guri

Nearly two years ago, I set out as a freelance consultant with one driving goal: to contribute to Ukraine’s recovery. My journey led me to uncover a critical funding gap affecting small farmers - a segment of the economy that is both vital and underserved. After developing the concept, I partnered with the consulting firm 89 Global to combine our efforts and expertise toward making this program a reality.

By Tetiana Tomash