TerraMagna
TerraMagna is a Brazilian B2B fintech providing working-capital loans, receivables purchase, and exclusive Fiagro-FIDC fund structuring to agricultural input distributors, underwritten by its proprietary FIDES satellite-monitoring platform and backed by a R$630M Fiagro-FIDC plus R$700M in discretionary capital.
- Company typePrivate
- Founded2017
- HeadquartersSão José Dos Campos, Brazil
- Headcount51–100
- GTM typeB2B
- OfferingServices
What TerraMagna does
TerraMagna Tratamento de Dados Ltda. is a Brazilian B2B2F fintech founded in 2017 and headquartered in São José dos Campos, São Paulo, that provides credit products to agricultural input distributors. The company operates three core credit modalities — Capital de Giro (working-capital financing where collateral is delivered only 120 days before note maturity), Cessão de Recebíveis (purchase of duplicatas, promissory notes and CPRs at a discount), and Seu Fiagro Exclusivo (structuring of an exclusive Fiagro-FIDC investment fund in which the distributor becomes a co-investor / Quota holder). Credit limits scale from up to R$5 million in short-term credit, to up to R$30 million in harvest receivables financing, to above R$50 million via the exclusive Fiagro structure.
The company's technological backbone is the proprietary FIDES platform, a satellite-based agricultural monitoring system that tracks crops from planting through harvest and performs credit analysis along four stages (credit, planting, development, harvest). FIDES ingests satellite imagery and agrometeorological data to estimate planted percentages, ZARC-calendar alignment, harvest break risk, and collateral evolution, providing risk inputs for TerraMagna's underwriting. The platform is integrated with a digital credit-evaluation system and a 100%-digital title formalization process for agricultural credit instruments (duplicate invoices, promissory notes, CPRs); data is stored on Google Cloud with cryptographic protection.
TerraMagna monetizes via transaction fees on receivables purchase, interest on disbursed working capital, and structuring plus management fees from the Fiagro funds. It backs these activities with what it describes as the largest independent Fiagro-FIDC fund for input distributors in Brazil (R$630 million) plus a R$700 million discretionary capital fund, claiming the lowest default rate in the Brazilian agricultural credit market. The company disbursed more than R$2 billion in agricultural credit in 2023, targets a further R$2 billion in 2024, and projects tripling revenue to R$120 million. Customers include AgroGalaxy, AHL Agro, Grupo Conceito, Forteagro, Toagro, and Portal dos Farmer, served via a sales-led motion combining specialist consultation, WhatsApp/phone outreach, online credit simulation, and earned media in Valor, Exame, Globo Rural, and The Agribiz.
TerraMagna firmographics
Firmographics- Name
- TerraMagna
- Legal name
- TERRAMAGNA TRATAMENTO DE DADOS LTDA.
- Website
- https://terramagna.com.br
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- TerraMagna is a Brazilian B2B fintech providing working-capital loans, receivables purchase, and exclusive Fiagro-FIDC fund structuring to agricultural input distributors, underwritten by its proprietary FIDES satellite-monitoring platform and backed by a R$630M Fiagro-FIDC plus R$700M in discretionary capital.
- Ownership category
- akta.pro rank
Where TerraMagna is headquartered
LocationHeadquarters
- HQ city
- São José Dos Campos
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
TerraMagna business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Credit Anticipation / Receivables Purchase: TerraMagna purchases receivables (duplicatas, notas promissórias, CPRs) from input distributors at a discount, providing immediate cash flow to distributors. Investors (through TerraMagna's Fiagro-FIDC fund) effectively 'buy' these documents, and the distributor receives payment upfront.
- Capital de Giro (Working Capital Financing): TerraMagna provides working capital loans to input distributors, where the distributor issues a promissory note and provides collateral 120 days before maturity. The company earns interest on the disbursed capital.
- Exclusive Fiagro-FIDC Structuring: TerraMagna creates exclusive investment funds (Fiagro-FIDC) for distributors, who become co-investors/Quota holders. The company earns structuring fees and ongoing management fees from the fund.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Up to R$5 million — short-term credit with concentration limits |
| Other | Pay-as-you-go | Up to R$30 million — harvest receivables financing |
| Other | Multi-year contract | Above R$50 million — exclusive Fiagro structure |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels6 records
TerraMagna product offering
Product offeringCore offering
TerraMagna provides agricultural credit solutions to input distributors in Brazil through three modalities: working capital financing (Capital de Giro), receivables purchase of duplicatas/notas promissórias/CPRs, and exclusive Fiagro-FIDC fund structuring. Credit underwriting is powered by the proprietary FIDES satellite monitoring platform that tracks agricultural areas from planting through harvest to assess collateral and risk in real time.
Product overview
TerraMagna is a fintech platform providing credit solutions for agricultural input distributors, structured as a B2B credit marketplace. The offering consists of three credit products (Capital de Giro, Cessão de Recebíveis, and Fiagro Exclusivo) backed by the FIDES satellite monitoring platform for agricultural risk assessment, all accessed through the TerraMagna Digital customer portal. The core value proposition enables distributors to self-finance using their receivables as collateral without dependence on traditional banks.
Differentiator
Problem solved
Functional benefit
Brands
- FIDES: Agricultural monitoring platform via satellite used for credit analysis and crop monitoring from planting through harvest.
Products and services
- Capital de Giro Working capital financing for agricultural input distributors, allowing them to receive funds immediately while providing guarantees (duplicate invoices, promissory notes, or CPR-Fs) only 120 days before the note's maturity date. Credit up to R$5 million with concentration limits up to 20% of NP face value for primary collateral.
- Cessão de Recebíveis (Recebíveis da Safra) Accounts receivable factoring service that lets agricultural input distributors sell their duplicatas (duplicate invoices), notas promissórias (promissory notes), and CPRs (Cédulas de Produto Rural) to TerraMagna and receive immediate payment, with credit limits proportional to available receivables up to R$30 million (concentration up to R$2.5 million per producer).
- Seu Fiagro Exclusivo Exclusive agricultural investment fund (Fiagro-FIDC) structuring service that enables agricultural input distributors to create their own financing vehicle adapted to their profile and business moment, with access to high volumes above R$50 million, no restructuring costs, and no renewal or revolving costs. The distributor becomes a co-investor/Quota holder in the exclusive fund.
- FIDES Proprietary satellite-based agricultural monitoring platform provided to clients for tracking crops from planting through harvest. FIDES analyzes four stages: credit analysis (production history, socioenvironmental compliance, collateral potential, estimated agricultural income by area), planting (planted percentage, planting date, ZARC agricultural calendar alignment), development (harvest break risk, agrometeorological conditions, collateral evolution, harvest date forecast), and harvest (desiccation and harvest start alerts, harvested percentage, collateral reduction).
Quantifiable outcome
- 30% growth in credit concessions to the field in 2024
- +3 more outcomes
Companies that use TerraMagna
Customer profileNamed customers6 records
Segments1 record
Ideal customer profiles2 records
TerraMagna technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
TerraMagna partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights4 records
TerraMagna competitors and assessment
Company assessmentDirect peers
- Traive: Brazilian ag-fintech combining AI, satellite imagery, and credit scoring to provide financing to agricultural producers and distributors. Most directly comparable competitor to TerraMagna in the Brazilian ag-credit marketplace.
- Agrolend: Brazilian ag-fintech providing working-capital credit to small and medium rural producers via a digital platform. Comparable in fintech business model and ag-credit focus, though targeting producers rather than distributors.
Broad incumbents
- Banco Pine: Brazilian commercial bank with a strong agribusiness lending arm, including credit to input distributors and producers. Operates as an incumbent with a balance-sheet-driven model that overlaps with TerraMagna's customer base.
- Rabobank: Dutch cooperative bank that is a global leader in agribusiness finance and has meaningful Brazil operations. Competes with TerraMagna in providing credit solutions to agribusiness distributors and processors.
- Banco do Brasil: Brazil's largest ag lender and dominant provider of rural credit, including the Plano Safra government-subsidized credit program. Represents the scale benchmark TerraMagna's fintech model aims to compete with on flexibility and speed.
- Itaú BBA: Wholesale and agribusiness arm of Itaú Unibanco, one of Brazil's largest banks, with a substantial ag credit portfolio serving cooperatives, distributors, and large producers.
- Sicredi: Brazilian credit cooperative with a large agribusiness portfolio, particularly in the South and Midwest. Competes with TerraMagna in providing credit to agricultural cooperatives and input retailers.
- Banco Original: Brazilian commercial bank with a meaningful agribusiness credit portfolio, including financing for input distributors and rural producers. Represents another incumbent competitor in the same lending vertical.
Emerging players
- Solinftec: Brazilian ag-tech platform offering digital farm management and operational data. While focused on field operations rather than credit, it shares the data-driven agribusiness theme and the same end-customer base of distributors and producers.
Regional players
- Indigo Ag: US-based agricultural technology and sustainability platform with digital agronomy and carbon programs. Operates in a different geography but shares the data-plus-finance thesis that anchors TerraMagna's FIDES platform.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
TerraMagna social profiles
Digital presenceTerraMagna financial estimates
Financial estimateRevenue estimate
Valuation estimate
TerraMagna leadership team
Management profileNumber of profiles
Profiles3 records
TerraMagna funding detail
Funding detailFunding overview
Funding rounds6 records
Investors12 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TerraMagna M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TerraMagna
What does TerraMagna do?
TerraMagna provides agricultural credit solutions to input distributors in Brazil through three modalities: working capital financing (Capital de Giro), receivables purchase of duplicatas/notas promissórias/CPRs, and exclusive Fiagro-FIDC fund structuring. Credit underwriting is powered by the proprietary FIDES satellite monitoring platform that tracks agricultural areas from planting through harvest to assess collateral and risk in real time.
Is TerraMagna a public or private company?
TerraMagna is a private company. It is classified as venture growth investor backed and is currently operating.
When was TerraMagna founded?
TerraMagna was founded in 2017. It employs 51 to 100 people.
Where is TerraMagna based?
TerraMagna is headquartered in São José Dos Campos, Brazil, in the Latin America region.
How does TerraMagna make money?
Three revenue lines are on record. Credit Anticipation / Receivables Purchase is the primary driver. The others are capital de Giro (Working Capital Financing) and exclusive Fiagro-FIDC Structuring.
Who are TerraMagna's main competitors?
Direct peers on record are Traive and Agrolend. Broad incumbents are Banco Pine, Rabobank, Banco do Brasil, Itaú BBA, Sicredi and Banco Original. Solinftec is listed as an emerging player. Indigo Ag is listed as a regional player.
Does TerraMagna have an API?
No public API is recorded for TerraMagna.