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Algrano

Can a specialty coffee marketplace become the financial infrastructure layer — payments, pre-trade financing, FX, and logistics — for the global green coffee supply chain?

Founded2015
HQZürich, Switzerland
IndustryMarketplace / Two-sided
The story

Founded in 2015 as a B2B marketplace facilitating direct trade between coffee producers and roasters, Algrano has progressively layered financial services onto its supply chain platform. The Grower Capital lending product, backed by a Luxembourg securitisation vehicle (MIR Lux Capital S.à r.l.) and partly powered by finmid, enables pre-payments to producers using Algrano's own proprietary performance data. Payment collection uses Stripe and PayPal on the buyer side with multi-currency treasury handled via amnis, making Algrano an increasingly financialised vertical marketplace for the specialty coffee trade.

Last 12 months
2024-03
Product timeline
2015
Algrano AG founded in Zürich as an online marketplace connecting coffee producers in Latin America, Africa, and Asia directly with European roasters.· pivot
2018
Began using amnis treasury platform to manage multi-currency payments across 30+ countries, including GBP and USD local routing.· banking
2022
Launched Grower Capital pre-payment program for coffee producers, offering up to 70% of contracted FOB value up to 6 months ahead of delivery at 1% per month flat fee.· lending
2022
Introduced seller service fee (Matchmaking fee) charged on successful sales for Verified Sellers.· pivot
2024
Algrano AG formalized Receivables Purchase Agreement with MIR Lux Capital S.à r.l. (Luxembourg securitisation vehicle) to fund producer pre-payments at scale.· lending
The stack
Payments / PSP
StripePayPal
Lending
FinmidGrower Capital (seller pre-payment / working capital)Receivables Purchase Agreement (securitisation-backed)
FX & payouts
amnis
Accounting gap: significant