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The Ormita Commerce Network provides an innovative market-based financial solution that enables key players in the agricultural services sector - equipment, machinery and chemical manufacturers - to collaborate with farmers to create sustainable financing models without the need for interest-bearing cash loans or vendor financing.
Ormita is recognised as the world's leading agricultural barter-exchange and reciprocal trade oriented financial services provider, employing highly skilled and enthusiastic individuals from a diverse range of professional disciplines.
For over 12 years our team has been helping agricultural service providers and their clients meet their financial goals through the creative use of barter.
Who Needs This Solution?
- Farmers needing financing for essential equipment, machinery or chemicals
- Suppliers looking for creative alternatives to locate and finance new sales in challenging economical or political environments
- Governments looking to stimulate the adoption of new technologies and practices; while reducing trade deficit risks
- Anyone looking to access new markets
Monetising Excess Capacity
When repaying in barter, a farmer is able to create liquidity from excess production, B-grade products or under-utilised production capacity - without affecting their existing cash sales channels.
Maximising Returns for Buyers and Sellers
Ormita provides buyers and sellers access to a secondary marketplace where non-cash transactions do not need to be bilateral.
A buyer can purchase from 'Party A' and repay by selling goods to 'Party B'.
We work with clients to maximise the value of any sale by placing their stocks, inventories or assets with new clients in markets which will guarantee the greatest returns. When compared to liquidating or destroying excess production, barter is a preferential option for many farmers.
“Businesses often have excess capacity in their own goods, services or infrastructure, even more so when the financial cycle slows and credit tightens. Business people find that using capacity to source needed goods and services is an attractive alternative proposition to conventional sales and credit if it can increase sales, ease cash flow or reduce reliance on conventional credit.”
"Capacity Trade and Credit: Emerging Architectures for Commerce and Money". City of London Corporation, ESRC, UKTI, BIS joint Report. City of London Corporation. Dec 2011.
Traditional equipment finance lenders,
as well as banks, use the Five Cs to
evaluate loan applications: Character,
Credit, Cash Flow, Capacity and
Collateral. However, while banks look
at small-to-medium size companies
from a Fortune 500 perspective, Ormita
sees applicants from a small business
perspective, which highlights a sixth C:
Common Sense Finance
Every decision to purchase and every
decision to grant barter financing is
made using common sense. Where
traditional finance houses look at
existing sales and assets; Ormita
provides funding for capital purchases
based on idle capacity, excess stocks,
lost opportunities and future sales
Monetising Excess Capacity
When repaying in barter, a farmer is
able to create liquidity from excess
production, B-grade products or under-
utilised production capacity - without
affecting their existing cash sales
Maximising Returns for
Buyers and Sellers
Ormita provides buyers and sellers
access to a secondary marketplace
where non-cash transactions do not
need to be bilateral.
A buyer can purchase from ‘Party A’
and repay by selling goods to ‘Party B’.
We work with clients to maximise
the value of any sale by placing their
stocks, inventories or assets with new
clients in markets which will guarantee
the greatest returns. When compared
to liquidating or destroying excess
production, barter is a preferential
option for many farmers.
Ormita is committed to
financing farmers and
Ormita’s agricultural finance initiative equips farmers with the tools they
need to maximise harvest yields and improve productivity. The criteria for
providing barter-based finance is based on a combination of the following:
1. The availability of existing (warehoused/stored) commodities which
may be bartered as either full or partial payment for essential equipment,
machinery and chemicals.
2. The existence of over-production of “A” or “B” grade stocks which
traditionally would be either liquidated for less than market value (or
Depending on the commodity, certain B grade stocks may be bartered to end-
users as a component in food production, general consumption or feed for
e.g. Leaf damaged, wilted, blemished, rusted, under/over sized produce, incorrectly
proportioned or other cosmetic issues.
This may be existing and/or future stocks.
3. The ability to create excess production from existing tools and capacities.
Provided there is existing capacity to produce additional crops or raise new
livestock, financing on barter may be available on the basis of future production
capabilities. In such instances Ormita may require additional financial
e.g. A Farmer may have historically chosen to leave certain fields fallow because there
has been no immediate demand for any crops able to be grown there. Based on an agreed
contract with an Ormita client the grower will then start growing to meet that demand.
4. The market potential (demand) for the agricultural commodities offered
In a barter network this demand traditionally comes from “end-users” of grains,
fruits, vegetables and meats.
e.g. Food manufacturers, hospitals, schools, government enterprises, factory cities,
restaurant chains, catering companies, hotels etc.
5. The track record of the management of the farm
• How long has the farm been operating?
• What is their track record?
• How have they faced challenges in the past?
6. Access to co-financing from other sources
Ormita can potentially finance transactions which may attract partial government
funding or subsidies but where the farmer has been unable to secure adequate
funding for the balance of the investment.
Please note that this is not a comprehensive list of our criteria for funding.
The Facts about Barter
Barter is the process of exchanging
products, goods or services, for other
products, goods or services. It is a
simple method of transaction where
little to no money is used. In today’s
world, it exists parallel to the monetary
Historically barter operated instead
of money as the primary method
of exchange. This also occurred
throughout history in times of
monetary crisis, when a currency was
unstable, or devalued by hyperinflation
or recession. Nowadays, however,
barter is a major force in the economic
world, becoming a much more
systematic and structured system of
Ormita works directly with
Government Ministries, State Owned
Enterprises, Fortune 500 Companies,
Stock Exchange Listed Companies and
a handful of carefully selected private
corporations in 54 countries.
A trade or barter exchange provides
a trading platform and bookkeeping
system for its members or clients to
provide barter opportunities.
The member companies buy and sell
products and services to each other
using an internal currency known as
“barter” or “trade dollars”. Participants
in barter earn trade credits (instead of
cash) when they sell and these credits
are deposited into their account. They
then have the ability to purchase goods
and services from other participants
using their trade credits.
In multilateral barter, trades do not
need to be direct. Instead three, four,
five and six-way transactions are
possible. Transactions can also take
place at different times so no single
supplier needs to “swap” their product
or service immediately but can do so
over a period of time. In these instances
the value of the deal is recorded
centrally and the process managed by a
commerce network or barter exchange
The Ormita Commerce
Nearly every business faces the problem of cash flow management.
Issues that contribute to the need for cash flow management include
highly competitive markets where constant advertising is a mandate,
increasing business expenditures to attract consumer attention, planned
or unplanned downtime, perishable inventory and the necessity of
Ormita is essentially a secondary market that allows businesses to
overcome these issues by allowing sales and purchases of essential goods
and services using barter instead of existing cash.
The Ormita trade platform helps to remove the limitations that
traditionally were a part of any barter transaction, such as the need for
an equal dollar value, the mutual need between any two companies for
each other’s product or service, and the time it can take to coordinate the
The Ormita business barter solution is designed to:
• Increase sales and market penetration.
• Generate new income and working capital directly from existing capacity.
• Enhance corporate cash management by allowing a business to reduce its
borrowing and trade finance risks.
• Offset many of the costs of doing business,
• Receive optimum value for goods and services.
• Improve shareholder value and overall profitability.
Key Performance Metrics
- Founded in 1999.
- Financially sound.
- Backed by individuals with global reputations.
- More than 70 years of combined industry experience.
- Experienced shareholder base.
- Offices in 21 countries.
- Representatives in 36 countries.
- Customers in 54 countries.
- More than $3.4 billion USD in trade per annum.
Recognised by the UK Government as the largest non-
cash trade platform in the world.