For Lenders

Plot-level credit risk for coffee farms

We provide structured risk data on Brazilian smallholder coffee farms to support lender decisions and expand credit access.

Request a Partner Brief How the Model Works

Model inputs

Inputs tailored to Brazilian coffee

Our model combines NDVI canopy signals from Sentinel-2, yield variability across two harvest seasons, and soil profiles from EMBRAPA. It also uses precipitation deviation and altitude band to score plots in Cerrado, Sul de Minas and Mogiana.

NDVI canopy Sentinel-2 composites at 10m resolution
Yield variation score measured over two harvest seasons
Soil organic matter profile texture and drainage classification
Precipitation variance relative to 30-year regional mean in cherry-development
Altitude tier regional elevation grouping

Abstract view of Culttivo plot-level coffee scoring layers

Program results

Early cohort results

2024-2025 results cover 47 smallholder growers across Sul de Minas and Cerrado Mineiro.

3.4%

90-day delinquency in the early cohort

91%

Loans repaid in full within the harvest cycle

Validation plots, 8-62 hectares

Early-program results only. Past performance does not assure future outcomes. Methodology is available to prospective partners on request.

Partner options

Choose a partner route

Origination and funding

Culttivo originates and scores applications, then presents approved cases to lending partners. You review the risk dossier, set acceptance criteria, and fund growers through our platform. You set portfolio parameters; Culttivo manages the data and compliance workflow.

Explore Origination

API risk feed

Use our API to receive structured plot-level scores and supporting data. This suits lenders with existing grower relationships seeking satellite and soil intelligence to complement their underwriting. Pricing is based on the volume of plots scored per quarter.