Coffee credit, measured from the ground up
Culttivo analyzes your farm's production data and returns a credit decision within 48 hours. No branch visit or paperwork stack. Repayment follows harvest.
Data from our early-access pilot in the high-altitude Sul de Minas growing region.
Banks read documents. We read farms.
Brazil has more than 400,000 smallholder coffee farms producing over half its exports, yet fewer than one in five growers can access formal credit when it matters most.
Conventional lenders ask for land titles, audited accounts, and credit records most small farms lack. Growers then turn to costly input loans, invest less in quality, and face terms unsuited to the agricultural calendar.
Culttivo takes another route. We study satellite imagery, soil indices, rainfall patterns, and past yield records to assess each plot's actual production capacity. Offers follow farm economics, not office paperwork.
Three steps from satellite data to credit
We score your plot
Our model combines satellite NDVI, soil maps, altitude, microclimate records, and local yield history to create a production risk profile for your parcel.
An offer reaches you
Submit your plot coordinates and basic farm details, then receive a credit offer within 48 hours, with a stated rate, term, and harvest-linked repayment schedule.
Funds enter your account
Accept the offer and confirm your bank details. PIX disbursement arrives within five business days. Repay after harvest under the agreed schedule.
For growers. Built for lenders.
Culttivo connects farmers seeking working capital with lending partners seeking dependable agricultural risk data.
For Coffee Farmers
No land title or audited accounts needed. Culttivo reads your farm data and bases its offer on soil, altitude, and real yield potential, rather than a bureau score.
For Lenders
Offer rural credit supported by plot-level risk scores, satellite-checked farm data, and harvest-linked repayment. Put capital to work where default stays low because scores reflect actual farm conditions.
Growers on Culttivo
I received the offer before searching elsewhere. The rate was fair, and repayment matched my harvest. I bought certified inputs with the credit, and my seasonal yield per hectare increased.
I did not expect a lender to assess my farm instead of requesting paperwork I lacked. Culttivo verified my coordinates, completed the review, and put the funds in my account within the week.
Rates sized to your operation
Three tiers cover farms from 1 hectare to 50 hectares. No origination fees or hidden charges. Rates in BRL.
| Tier | Farm Size | Loan Range | Monthly Rate | Term |
|---|---|---|---|---|
| Micro | Up to 5 ha | R$5,000 to R$20,000 | 2.2% / mo | 6 to 12 months |
| Grower | 5 to 20 ha | R$20,000 to R$60,000 | 2.0% / mo | 12 to 18 months |
| Producer | 20 to 50 ha | R$60,000 to R$150,000 | 1.8% / mo | 18 to 24 months |
Repayments follow the harvest cycle. Rates are effective monthly. There are no origination fees or early repayment penalties.
Smallholder Coffee Data and the Rural Lending Gap in Brazil
How satellite farm measures are narrowing the funding gap for smallholders formal lenders have overlooked for decades.
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Three Observable Variables That Define a Coffee Farm Credit Score
The agronomic inputs in Culttivo's scoring model, and why elevation bands can forecast repayment capacity better than income statements.
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Why Brazilian Coffee Belt Farmers Lack Access to Formal Credit
Brazil grows nearly 40% of the world's coffee, but smallholders still use informal credit. This article charts the structural gap and its persistence.
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