> For the complete documentation index, see [llms.txt](https://ethichub.gitbook.io/ethichub/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://ethichub.gitbook.io/ethichub/en/key-components/business-model.md).

# 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.