Financing solutions for agriculture
Tailor-made financing solutions
responsAbility is a leading financing partner in the sustainable agriculture sector in developing economies. Through our managed funds we offer customised debt and equity financing covering the diverse needs of actors along the agricultural value chain that improve livelihoods in rural areas. By helping clients to increase productivity, gain access to higher-paying markets and achieve more balanced trading relations, responsAbility managed funds maximise their development impact while optimally capturing investment opportunities.
Eligibility for investment includes the following criteria:
- Contribute to economic development of low income population in rural areas through productivity improvement and access to market
- Sustainable business models within the agricultural -value chain
- A clear committment to environmental and social criteria
- Annual financial reports audited by a reputable company (last 3 years)
- Ability to provide annual financial projections
- Short term financing, to finance inventory and receivables, pre export and export
- Long term financing, to finance the purchase or construction of property, plan and equipment
- Sub-debt financing
- Equity financing
- Technical Assistance
|Tailor made solutions adapted to your business model|
|Increasing amounts to help you grow your business|
|Ability to provide long term solutions for capex|
|A dedicated team of experts recognised for its attentiveness, proximity and ability to react quickly to client needs|
A global player across three sectors
responsAbility Investments AG is one of the world’s leading asset managers in the field of development investments. The company’s investment solutions supply debt and equity financing to companies in emerging and developing economies.
responsAbility focuses on three investment sectors:
Agriculture, financial services and energy, and on companies with inclusive business models that help to meet the basic needs of broad sections of the population and to drive economic development – leading to greater prosperity in the long term.
responsAbility has over USD 3 billion of assets under management, invested in more than 560 companies across 96 countries. Founded in 2003, the company is headquartered in Zurich and has local offices in Bangkok, Geneva, Hong Kong, Lima, Luxembourg, Mumbai, Nairobi, Oslo and Paris. Its shareholders include a number of reputable institutions in the Swiss financial market as well as its own employees. responsAbility is registered with the Swiss Financial Market Supervisory Authority FINMA.
Financing your growth
Solutions for companies along the entire value chain
Faced with changing market requirements reflecting increasing demand, shifts in diets and international product standards, actors along the agricultural value chain need flexible financing suited to their specific needs to address emerging challenges, leverage new opportunities and successfully grow their business.
Financing solutions are adapted to the different requirements of companies along the agricultural value chain, including
- pre-harvest financing
- export-related financing
- asset financing
- project finance
- mortgage financing
Our partners can choose from financing solutions with different maturities, innovative and flexible collateral structures, currency hedging and transparent terms and pricing structures.
We grow with our clients. Where required, we also offer technical assistance and advisory services, for example, in relation to business plans or structuring capital.
Example of export sales contract assignment
Financing with impact
responsAbility managed investments along the agricultural value chain are guided by a focus on several key impacts benefiting its investees and their communities as income gains for farmers translate into improved livelihoods, growth and employment and reduced environmental impacts.
Production factors & production
Agricultural finance can help producers achieve higher and more stable incomes through improved productivity and soil fertility as well as reduced vulnerability to external shocks like pests, diseases and drought. Thanks to the cash cushion provided by responsAbility managed funds, farmers do not have to sell their produce immediately after harvesting, when prices are lowest, but can negotiate better prices with buyers.
Processing & logistics
By supporting organisations involved in processing, packaging, transport, or storage, agricultural finance helps to add value to raw agricultural products, thus raising the prices that local farmers receive. It can enhance the efficiency of supply chains, by optimising the use of natural resources, such as agricultural land and water, and reducing energy and food waste, thereby mitigating negative environmental impacts. It can also create new employment opportunities by enabling the development of distribution networks.
Distribution & retail
Agricultural finance helps producers gain better access to markets by financing traders. Traders also help suppliers to better match demand by keeping track of changing consumer preferences, market conditions, standards and regulations, and to tap more secure and higher-paying markets.
How to obtain financing
We select investments based on a tried and tested approach that enables us to respond to your financing needs in a quick, efficient and flexible way.
Our experienced team of dedicated local experts can complete the financing process within 6 – 8 weeks. Drawing on their deep understanding of local markets and commodities, they can cater to individual requirements and ensure that we provide a stable source of financing that helps to diversify our partners’ borrowing profile.
Our investment officers and transaction managers maintain close relationships with our counterparties at all times -to anticipate and respond quickly to any arising needs or difficulties.
“Terrafertil, Dried fruits exporter, Colombia”
David Bermeo, CEO and founder of Terrafertil, Colombia (left)
Mauricio Jibaja, Regional Head – Agriculture Debt Financing, responsAbility Investment AG (right)
Your Regional Partner
About the region
responsAbility has been operating in Latin America since 2012, providing financing to companies in 11 countries and along the value chain of more than 10 different commodities. Our local team has extensive experience in and strong knowledge of Latin American markets with a special focus on the Andean countries and the coffee, cocoa and fresh fruits markets.
responsAbility managed funds invest in cooperatives and agriculture SMEs active along the entire agricultural value chain that create formal jobs in the region and have sustainable agriculture and labour practices. Our growing portfolio in Latin America includes both short and long-term deals. Our strong relationships with upstream and downstream partners give us detailed insight into our clients’ operations and market developments as they unfold.
YOUR REGIONAL TEAM: LATIN AMERICA
Investment Officer – Agriculture Debt Financing
Email: jorge.cerna [at] responsAbility.com
- Expertise in corporate finance with more than 7 years’ experience in banking with a focus on deal structuring, project finance and investment advisory
- Experience in and focus on banana, cocoa, coffee and quinoa
Investment Officer – Agriculture Debt Financing
Email: gerardo.grana [at] responsAbility.com
- Experience in credit structuring for agribusiness including business and credit risk analysis, financial modeling, trend research
- Experience in restructuring, CAPEX and project finance
- Special know-how in commodities such as grapes, avocado, asparagus, mango, pomegranate, blueberries, quinoa, chia and sesame