Pricing
Clear rates. Repayment follows harvest.
Three plot-risk tiers, no origination fee, no prepayment penalty.
Loan Tiers
Your plot data determines your tier
We score your plot, then send an offer within the applicable tier. Your tier comes entirely from farm data, not banking history.
Micro
R$5,000 to R$20,000
2.2% per month
- Up to 5 hectares, or first-season data
- Repay on your harvest cycle
- Receive funds by PIX in 5 business days
- Origination: none
- No prepay penalty
Most Common
Grower
R$20,000 to R$60,000
2.0% per month
- 5 to 20 hectares, two seasons of data
- Repay on your harvest cycle
- Receive funds by PIX in 5 business days
- Origination: none
- No prepay penalty
Producer
R$60,000 to R$150,000
1.8% per month
- 20 to 50 hectares, two-season consistent yield
- Repay on your harvest cycle
- Receive funds by PIX in 5 business days
- Origination: none
- No prepay penalty
Fee Structure
Fees we charge and waive
Charged
- Monthly rate
- 1.8% to 2.2%, by risk tier
- IOF, federal transaction tax
- Required by Brazilian law, based on loan amount and term
Fees not charged
- Loan setup fee
- None
- Credit review fee
- None
- Early payoff penalty
- None
- Account upkeep fee
- None
Context
Compared with other options
2025 surveys estimate these rates. Terms vary. This is not a financial recommendation.
| Source | Monthly rate | Collateral needed | Decision time |
|---|---|---|---|
| Culttivo | 1.8% to 2.2% | None | 48 hours |
| Rural cooperative fund (PRONAMP) | 0.5% to 0.8% | Land title or pledge | 30 to 90 days |
| Rural private bank loan | 1.5% to 2.5% | Title deed or guarantor | 15 to 45 days |
| Informal financiador (custeio) | 3% to 6% | Pledge of crop | 1 to 5 days |
PRONAMP rates are subsidized by BNDES. Eligibility applies, and many smallholders do not qualify. This table is context only.