This policy brief discusses the salient features of the Personal Property Security Act and how it could improve smallholders’ access to formal agriculture credit. It also covers the key findings of the University of the Philippines Center for Integrative and Development Studies’ (UP CIDS) Program on Escaping the Middle Income Trap: Chains for Change (EMIT C4C) from its action research on Jollibee Group Foundation’s Farmer Entrepreneurship Program (FEP) and other value chains.