A loan helped to buy wet cacao from the smallholder farmers of the association.


Adioesmac's story

ADIOESMAC (a cacao and spice association) received their organic certification in March 2019, in the midst of the harvest season.

Because cacao is a seasonal crop, the required capital to run the processing facility dramatically spikes at the beginning of the season, since profits from the previous season have been invested in the facility, or for inputs for farmer members of the association.

Cacao Verapaz, the buyer of the cacao, offers working capital financing at the beginning of the season so that cacao can be purchased up front, and farmers can be paid on delivery. When the association sells to Cacao Verapaz, they repay the working capital loan.

ADIOESMAC is excited to be able to market both certified and uncertified cacao in the international market this year, but need additional working capital to be able to finance their cocoa buying, as organic cacao is more expensive.


This loan is special because:

It helps cacao farmers in Guatemala earn a fair price for their produce.



Loan details


Lenders and lending teams




Loan details