For Growers

Formal coffee farm credit, based on your harvest data

We assess your plot, not paperwork. Productive farms can qualify.

Start Your Application How It Works

Application

Four steps from farm to funds

01

Open an account and add farm data

Register your GPS boundary and records from your last two harvest seasons. Your data is stored securely.

02

More farm signals

We add satellite imagery and soil classification for your plot, plus cooperative soil reports when available.

03

Get your score and loan terms

In 48 hours, get the decision, approved sum, monthly rate, and harvest-aligned repayment schedule.

04

Accept, get PIX funds

Accept digitally. PIX sends funds to your bank account within five business days.

Hands hold ripe red coffee cherries on a Minas Gerais farm

Plot Data

Data from your plot

Our model uses Brazilian coffee farm data, rather than generic credit scores.

What we use

  • Altitude

    Elevation above sea level in your area links to cup quality and production risk.

  • Soil profile

    Organic content and texture from the EMBRAPA national soil database.

  • Yield history

    Two seasons of tonnage per hectare show yield consistency.

  • Plot GPS

    Sets the scored area and matches it to satellite canopy imagery.

What we do NOT need

  • Tax or income declarations
  • SERASA score or bank records
  • Long bank forms or notarization
  • Property deeds or collateral appraisals

Terms

Clear terms, no surprises

Loan amounts
R$5,000 to R$150,000
Monthly rate
1.8% to 2.2% per month
Repayment structure
Harvest-cycle aligned
Origination fee
None
Prepayment penalty
None
Credit decision timeline
48 hours
See Full Pricing Details

Grower Voices

Early-access grower stories

"I have farmed the same eight hectares for twelve years. Banks always asked for more paperwork and credit history. Culttivo used my harvest records and answered in two days. It was my first formal credit."
A.P.M., smallholder grower, 8-hectare plot near Sao Sebastiao do Paraiso, Sul de Minas
Early-access program participant
R$18,000 approved
"The cooperative connected me. I already kept their requested data in a notebook and phone. The steps were clear, and the rate was fair beside the local financiador's charge."
M.R.S., smallholder grower, 14-hectare plot near Monte Belo, Minas Gerais
Early-access program participant
R$42,000 approved

Apply: 15 minutes. Decision: 48 hours.

Open an account, add your plot boundary and harvest records, and our model handles the assessment.

Begin Application Contact Support