Our lending
EspaldaProducts financed
Coffee remains the largest sector in our diverse value chain, whilst our cocoa disbursements have decreased, reflecting broader challenges in the sector. Handcraft and textile sectors continues to play a significant role in our portfolio.
Lending per region
Learn more about our lending activities by region. The evolving regulatory landscape, particularly EUDR requirements, adds complexity across both regions, requiring enhanced traceability and documentation systems.
Customer and portfolio development
Throughout 2024, we strengthened customer relationships, identified new business opportunities, and addressed performance and arrears issues during various events, fairs, and visits across South America, East Africa, West Africa, and Central America.
Disbursements
‘Disbursements’ refers to any funds sent as part of an Export Credit payment (prefinance request), Buyer Credit payments to suppliers or the release of a Stock Facility or Term Loan.
Providing a reliable source of finance
We continue to support fair trade organisations through direct producer lending in Africa and Latin America (producer lending) and indirect lending to Northern Hemisphere fair trade wholesalers, FLO Traders and retailers (buyer lending).
Due Diligence and Management of our Risk Portfolio
Our core objective is to extend financial services to enterprises in vulnerable regions at the forefront of climate change impacts, while employing rigorous risk management strategies to protect our members' capital.