Q&A with Michelle Buckles
Our director of sustainable finance reveals how access to credit can benefit farmers working with the Rainforest Alliance.
Read the interview »
Mitigating Risk with Sustainable Finance
A report from the Rainforest Alliance and the CITI Foundation explores sustainability as a key factor for mitigating risk in agricultural supply chain finance.
Read the report »
Farmer Bankability and Sustainable Finance
A study of farmers in Colombia and Peru revealed that Rainforest Alliance Certified farmers have better access to credit.
Read the report »
Our Work in Sustainable Finance
The Rainforest Alliance recognizes that in order to conserve our world’s most precious ecosystems, we must promote an economically viable future for those who depend on the land for their livelihoods. Our Sustainable Finance Initiative was established in order to support small- and medium-scale farms and forestry enterprises working toward Rainforest Alliance certification, and those already certified, to access the financing they need to help their businesses grow and become economically sustainable.
Many farmers, foresters and small and medium enterprises (SMEs) need credit to finance the investments necessary to improve the environmental, social and economic sustainability of their businesses. And in developing countries, agriculture and forestry businesses are typically owned by smallholders, who often have difficulty accessing credit lines. Banks sometimes consider these potential clients to be high-risk borrowers, particularly for long-term loans.
Fortunately, lenders at the forefront of the sustainability and impact investment movement already recognize that Rainforest Alliance Certified™ producers that meet the environmental and social standards of the Sustainable Agriculture Network and Forest Stewardship Council -- as well as those that are well on their way to certification -- are worthwhile investments from a financial and social impact return perspective. The Rainforest Alliance’s technical and market access assistance is also highly valued by lenders as a risk mitigation tool.
The Rainforest Alliance provides support to certified producers and SMEs, and those in the process of achieving certification, by helping to identify their financial needs, drafting borrower profiles, supporting them with business and financial management technical assistance, and linking them with the appropriate financial institutions. The Rainforest Alliance does not lend money or assess credit worthiness directly but makes introductions to lenders who then complete their own due diligence. We also work to educate these institutions about the investment needs of sustainable producers and to influence the design of financial products suitable for sustainable producers.
Learn more
How does the Rainforest Alliance support access to finance?
Through its Sustainable Finance Initiative, the Rainforest Alliance works with pre-certified and certified farmers, plantation owners and producer organizations to:
- Help detect weaknesses that may inhibit their access to credit;
- Help farmers to become more bankable (through record-keeping, for example);
- Provide information on (and connections to) possible funding sources;
- Assist in the preparation of business profiles and credit applications;
- Link producers to business and financial management technical assistance;
- Promote financial literacy among producers and their households;
- Conduct research on the financial costs and benefits of sustainability, and related investment products; and
- Communicate the benefits of sustainable agriculture and forestry, along with the benefits of Rainforest Alliance certification, to financial institutions.
What types of loans does the Rainforest Alliance support?
The Rainforest alliance helps producers to access two types of loans:
- Short-term or trade finance loans that last less than one year. These include loans used by commodities buyers to purchase goods from farmers or foresters (trade finance); loans used by producers to purchase fertilizer, tools, seeds and other materials (input finance); and loans used by producers to grow and manage businesses more effectively during the year (working capital); and
- Long-term or investment finance loans that typically last from one to five years. These loans are intended for crop rehabilitation or renovation; larger equipment purchases; and sustainability improvements necessary to obtain certification such as investments in protective equipment, worker housing and sanitary latrine systems.
Both types of loans are vital to farmers and buyers.
Where can the Sustainable Finance Initiative offer assistance?
Farm and forest managers as well as financial institutions in Latin America, Africa and Southeast Asia can apply to work with us. We hope to expand our finance work to include tourism businesses in the future.
How can I participate in the Sustainable Finance Initiative?
First, review our list of requirements* to see if you qualify:
- Your farm or forestry business must be Rainforest Alliance Certified or in the process of implementing the Sustainable Agriculture Network or Forest Stewardship Council standards.
- Prove that there is a specific credit need required to improve productivity on your farm or plantation, identify the finance beneficiary and describe the conditions of the cooperative or association you represent.
- Commit to working with Rainforest Alliance staff and following all necessary processes to improve the funding situation of your organization.
*Compliance with these requirements does not automatically guarantee access to our technical assistance.
How can I find out more about the Sustainable Finance Initiative?
Please contact Michelle Buckles (Global, Africa, Asia) or Alexandra Tuinstra (Latin America) for more information.
Q&A with Michelle Buckles
Our director of sustainable finance reveals how access to credit can benefit farmers working with the Rainforest Alliance.
Read the interview »
Mitigating Risk with Sustainable Finance
A report from the Rainforest Alliance and the CITI Foundation explores sustainability as a key factor for mitigating risk in agricultural supply chain finance.
Read the report »
Farmer Bankability and Sustainable Finance
A study of farmers in Colombia and Peru revealed that Rainforest Alliance Certified farmers have better access to credit.
Read the report »



