About Us

Delivering practical tools and solutions to the challenges of agriculture finance.

Small Finance, Big Change

Lorna Grace, Founder / Lead Consultant

Phone: +1.604.787.1387 

Mail: lorna@smallfinancebigchange.com

Headquarters: Vancouver BC, Canada

Areas of expertise

Agriculture Finance

Value Chain Finance

Agribusiness Finance

Blended Agri Finance


All about Small Finance, Big Change

Small Finance Big Change – Finance Consulting Company started in 2010 by Lorna Grace with experience in more than 40 countries worldwide.

  • Afghanistan
  • Azerbaijan
  • Bangladesh
  • Bosnia
  • Columbia
  • Ecuador
  • Egypt
  • Ethiopia
  • Fiji
  • Ghana
  • Guatemala
  • Honduras
  • India
  • Indonesia
  • Jamaica
  • Kenya
  • Lebanon
  • Malawi
  • Mali
  • Mexico
  • Nepal
  • Nicaragua
  • Niger
  • Nigeria
  • Pakistan
  • Panama
  • Papua New Guinea
  • Paraguay
  • Peru
  • Phillipines
  • Rwanda
  • Senegal
  • Sri Lanka
  • Tajikistan
  • Tansania
  • Thailand
  • The Gambia
  • Tunisia
  • Uganda
  • Vietnam
Lorna Grace - quick bio

Lorna Grace is an agribusiness finance specialist, and founder of her finance consulting company, Small Finance Big Change.

With a background in investment banking and microfinance, she has been exclusively working in agriculture finance since 2005 as both a project manager and a consultant. Lorna holds an MBA from University of Alberta and a BA from Harvard and is also a Chartered Financial Analyst.

She has authored or contributed to a number of studies and books including, Financing Agriculture Value Chains – LAC,  Access to Finance for Smallholders, Analyzing Costs, and Savings Services for the Poor. Lorna has also developed and taught costing analysis and farm cash flow courses at Boulder Microfinance in Italy, the Netherlands and Latin America.

Currently Lorna consultants on agriculture finance projects in Ghana, Rwanda and Nepal, developing financial products for equipment and production finance. In total she has worked in more than 40 countries across the world.

Lorna is an avid gardener (of course!) and mother to a teenage son, living in Vancouver, BC.

And More... Lorna Grace's C.V.

Lorna Grace holds an MBA and is a CFA with 15 years of experience in rural economic development and agribusiness/finance. A project director and technical analyst, Ms. Grace has implemented and advised on rural and agriculture development projects worldwide.

Ms. Grace has also developed two tools for agribusiness financial evaluation, including the farm planner tool which measures and analyzes cash flows of short and long-term farm investments, and manages up to 35 crop production costs synchronizing them over time. She has conducted several value chain finance studies, with an equal emphasis on both demand and supply sides. Known for her creativity and practical approach to achieving goals as well as her in depth knowledge of agriculture, fisheries and livestock cycles and associated agribusinesses, Ms. Grace is a seasoned professional, dedicated to providing support and choice to smallholders and agribusinesses. She has worked in over 40 countries and is fluent in English and proficient in Spanish.  Download Lorna Grace’s C.V.


Technical Expertise
  • Instructional Material /Curricular Development
  • Technical & Procedure Manual Writing and Design
  • Modelling (Forecasting and Situational Training)
  • Traditional and Blended Finance Product Design
  • Online and In-Person Training Expert
  • Consultation and Mentoring In-Country and Online
  • English – mother tongue
  • Spanish – fluent speaker
  • French – working
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