📈Business Model

EthicHub’s integrated business model (finance and trade) has a flywheel effect: affordable loans to improve production and logistics are easily repaid thanks to access to international markets for the financed crops (EthicHub earns a 4% commission on each loan and a margin on marketing the green coffee).

Cutting-edge technology allows both crowdlenders and institutional lenders to participate in a shared value model by connecting complementary economic regions (global North and South). It also has a high entry barrier: banks cannot offer marketing services and traders cannot provide financing.