Agroforte
Agroforte is a Brazil-based agfintech that provides digital, 48-hour credit without guarantees to small and medium rural producers integrated with partner agroindustries and cooperatives, operating primarily in the poultry, livestock, and dairy sectors through a mobile application.
- Company typePrivate
- Founded2021
- HeadquartersSão Paulo, Brazil
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Agroforte does
Agroforte is a Brazil-based agfintech founded in 2021 by Felipe D'Ávila that operates a digital credit platform for small and medium rural producers. The company targets producers integrated with agroindustries and cooperatives in the livestock, poultry, and dairy sectors, delivering credit through a mobile application (iOS and Android) that completes registration in approximately 20 minutes and disburses approved funds within 48 hours, without requiring guarantees, co-signers (avais), or mandatory insurance. The platform's creditworthiness analysis leverages performance and productivity data supplied by partner agroindustries, enabling pre-approved credit limits; repayment is automatically retained by the partner agroindustry directly from the producer's lot or harvest proceeds, embedding Agroforte into the supply chain's financial workflow.
The product suite includes five distinct credit lines — Energia Solar (solar panel installation for poultry barns), Crédito para Adequação e Investimentos (equipment and infrastructure, up to 24 months), Crédito para Custeio (input financing, up to 6 months), Crédito para Insumos (seeds, fertilizers, crop protection), and Crédito para Compra de Novilhas (heifer purchase for herd expansion and milk production) — supplemented by the 2024 acquisition of RúmiCash, which added 50,000+ producers with pre-approved credit and 40+ partner agroindustries. The technical architecture centers on a self-serve mobile application with digital signature and direct bank disbursement; capital is sourced and scaled through a FIDC (Fundo de Investimento em Direitos Creditórios) structure, which raised nearly R$ 45 million in 2023 and an additional round with EQI Investimentos in 2025.
The business model is a transaction-based interest-income model on credit extended to producers, complemented by FIDC fund management. Go-to-market combines a product-led self-serve mobile channel with a B2B partnership motion — Agroforte signs anchor agroindustry and cooperative partners (BRF, Coopeavi, Scala/DeLaval, UltraCheese, among others) who refer their integrated producer networks and supply underwriting data. The company is headquartered in São Paulo, SP, with an operations office in Toledo, PR, has 11–50 employees, and operates exclusively in Brazil. Agroforte has been recognized on HolonIQ's 50 Climate Tech Startups list for Latin America and the Caribbean (2022).
Agroforte firmographics
Firmographics- Name
- Agroforte
- Legal name
- AgroForte
- Website
- https://meuagroforte.com.br
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Agroforte is a Brazil-based agfintech that provides digital, 48-hour credit without guarantees to small and medium rural producers integrated with partner agroindustries and cooperatives, operating primarily in the poultry, livestock, and dairy sectors through a mobile application.
- Ownership category
- akta.pro rank
Agroforte industry classification
Industry- Product category
- Agricultural Lending
- NAICS
- Sales Financing (522220)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO)
Keywords
Where Agroforte is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Agroforte business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales
Revenue model
- Interest Income from Credit Operations: Agroforte provides credit to rural producers and earns interest on the loans extended. Interest rates are competitive market rates, defined case-by-case depending on the operation. No guarantees, co-signers, or mandatory insurance required, simplifying operations.
- FIDC Fund Management: Expansion of credit operations through FIDC (Investment Fund in Credit Rights) structure, raising nearly R$ 45 million from investors to expand credit portfolio.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Multi-year contract | Adequacy and Investment Credit |
| Transaction based/ take rate | Pay-as-you-go | Cultivation Credit (Custeio) |
| Transaction based/ take rate | Pay-as-you-go | Input Credit |
| Transaction based/ take rate | Multi-year contract | Heifer Purchase Credit |
| Other | Multi-year contract | Solar Energy Credit |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels5 records
Agroforte product offering
Product offeringCore offering
Agroforte is a Brazilian agfintech that provides digital credit lines to small and medium rural producers through a proprietary mobile application. The company offers sector-specific credit products—including solar energy financing, equipment and infrastructure loans, cultivation/input credit, and heifer purchase financing—disbursed within 48 hours without requiring guarantees, co-signers, or mandatory insurance. Creditworthiness is assessed using performance and productivity data provided by partner agroindustries and cooperatives, with repayment automatically retained by the partner from the producer's lot or harvest.
Product overview
Agroforte is an agfintech company offering a digital credit platform for small and medium rural producers in Brazil, specializing in livestock and poultry sectors. The core product is a mobile application through which producers can access multiple credit lines including: Energia Solar (solar energy financing), Crédito para Adequação e Investimentos (equipment and infrastructure), Crédito para Custeio (input financing), Crédito para Insumos (seeds, fertilizers, defensives), and Crédito para Compra de Novilhas (heifer purchase). The company also acquired RúmiCash, adding over 50,000 producers and 40+ partner agroindustries. Credit is disbursed within 48 hours with no guarantees or co-signers required, and repayment is automatically retained by partner agroindustries from product sales.
Differentiator
Problem solved
Functional benefit
Brands
- RúmiCash: Agricultural credit brand acquired by Agroforte in 2024, offering credit card and financing solutions for rural producers.
Products and services
- Energia Solar Credit Line (Solar Energy Credit) Credit line designed to finance the installation of solar panels in poultry barns, covering equipment, installation, and maintenance at no upfront cost to the producer. Targeted at poultry farmers integrated with partner agroindustries.
- Crédito para Adequação e Investimentos (Equipment and Investment Credit) Credit line for purchasing equipment and structural investments on the farm, with payment terms up to 24 months. Funds are deposited directly to the partner supplier indicated by the producer.
- Crédito para Custeio (Cultivation Credit) Short-term credit line designed specifically for the purchase of agricultural inputs, with payment terms up to 6 months. Funds are deposited directly into the producer's account.
- Crédito para Insumos (Input Credit) Credit line developed for day-to-day operational costs, including the purchase of seeds, fertilizers, and crop protection products (defensivos).
- Crédito para Compra de Novilhas (Heifer Purchase Credit) Credit line specifically for increasing herd size and milk production through the purchase of heifers (novilhas). Targeted at dairy producers integrated with partner agroindustries.
- Agroforte Mobile Application Self-serve mobile application (iOS and Android) that allows rural producers to complete registration in approximately 20 minutes, view pre-approved credit limits based on partner-supplied productivity data, request credit lines, sign digitally, and receive funds within 48 hours.
- RúmiCash Acquired fintech brand offering credit solutions and credit card services to rural producers. Following the 2024 acquisition, Agroforte gained access to over 50,000 producers with pre-approved credit and more than 40 agroindustries and cooperatives as partners.
Quantifiable outcome
- Credit released within 48 hours of approval
- +2 more outcomes
Companies that use Agroforte
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles2 records
Agroforte technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Agroforte partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core, major and minor.
- UltraCheesecoreAgroforte lent R$ 7 million to 70 milk producers supplying to UltraCheese.
- Scala and DeLavalcorePartnership with Scala and DeLaval to bring unbureaucratic credit to dairy sector. Benefits approximately 850 milk producers supplying to Scala.
- Partner AgroindustriescorePartnership with agroindustries to analyze creditworthiness of producer suppliers. Agroforte provides financing while partner agroindustries provide credit risk data and refer producers.
- BRFmajorAgroforte provides credit to poultry farmers integrated with BRF in Paraná through their digital application.
- CoopeavimajorPartnership with Coopeavi to launch R$ 100 million fund to finance rural producers in Espírito Santo state.
- EmbrapaminorPartnership with Embrapa (Brazilian Agricultural Research Corporation) for agricultural technology collaboration.
- RúmiCashcoreFirst acquisition by Agroforte. Added 50,000 producers with pre-approved credit and more than 40 agroindustries and cooperatives partners.
- BoostlabminorAcceleration program partner shown in logo section.
- BaitaminorAcceleration program partner shown in logo section.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
Agroforte competitors and assessment
Company assessmentDirect peers
- Agrolend: Brazilian agfintech providing working-capital and input credit directly to rural producers via a digital platform. Closest direct competitor to Agroforte in the SMB-producer digital credit space, with a similar partner-distribution and tech-led underwriting thesis.
- TerraMagna: Brazilian agfintech using satellite, climate, and farm data to underwrite credit to producers and cooperatives, often via FIDC structures. Directly comparable to Agroforte on the data-driven ag-credit model and the use of receivables funds to scale the loan book.
- Traive: Agfintech operating in the US and Brazil that connects producers and lenders via a marketplace and data-driven credit scoring. Comparable to Agroforte in its focus on alternative-data underwriting for rural credit and on structuring capital markets solutions for ag lending.
Emerging players
- Culte: Brazilian agfintech offering digital credit and financial services to rural producers, with a focus on grains and input financing. Comparable to Agroforte as a Brazilian SMB-producer digital lender competing for the same partnership-led GTM motion with cooperatives and agroindustries.
- Apollo Agriculture: Africa-focused agfintech that uses alternative data and a digital platform to finance smallholder farmers for inputs and equipment. Comparable to Agroforte on the tech-led, partnership-distributed, no-collateral SMB-producer credit thesis, though operating in a different geography.
- ProducePay: LatAm/US agfintech offering financing, distribution, and market access to fresh-produce growers. Comparable to Agroforte in providing supply-chain-linked working capital to producers, though focused on the produce/fresh-export segment rather than livestock and poultry.
- Jai Kisan: India-based agfintech providing credit, equipment financing, and input procurement to rural producers. Comparable to Agroforte on the embedded rural-credit model and partnership-led distribution with agribusinesses, though operating in the Indian market.
Broad incumbents
- Banco do Brasil: Brazil's largest ag-credit provider, offering rural credit, working capital, and equipment financing to producers of all sizes. Comparable as a broad incumbent Agroforte competes against for producer wallet share, increasingly digitizing its offerings.
- Sicredi: Brazilian cooperative credit system with deep rural footprint and strong relationships with agricultural producers and cooperatives. Comparable as an incumbent cooperative-style lender whose member-producer base overlaps with Agroforte's target segment.
- Rabobank: Global food and ag lender with Brazilian operations focused on large agribusiness and cooperatives. Comparable as a broad incumbent with deep ag domain expertise, increasingly partnering with or investing in agfintechs to reach SMB producers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Agroforte social profiles
Digital presenceAgroforte financial estimates
Financial estimateRevenue estimate
Valuation estimate
Agroforte leadership team
Management profileNumber of profiles
Profiles1 record
Agroforte subsidiaries and ownership
Company hierarchySubsidiaries1 record
Agroforte funding detail
Funding detailFunding overview
Funding rounds3 records
Investors10 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Agroforte 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 Agroforte
What does Agroforte do?
Agroforte is a Brazilian agfintech that provides digital credit lines to small and medium rural producers through a proprietary mobile application. The company offers sector-specific credit products—including solar energy financing, equipment and infrastructure loans, cultivation/input credit, and heifer purchase financing—disbursed within 48 hours without requiring guarantees, co-signers, or mandatory insurance. Creditworthiness is assessed using performance and productivity data provided by partner agroindustries and cooperatives, with repayment automatically retained by the partner from the producer's lot or harvest.
Is Agroforte a public or private company?
Agroforte is a private company. It is classified as venture growth investor backed and is currently operating.
When was Agroforte founded?
Agroforte was founded in 2021. It employs 11 to 50 people.
Where is Agroforte based?
Agroforte is headquartered in São Paulo, Brazil, in the Latin America region.
How does Agroforte make money?
Two revenue lines are on record. Interest Income from Credit Operations are the primary driver. The others are FIDC Fund Management.
Who are Agroforte's main competitors?
Direct peers on record are Agrolend, TerraMagna and Traive. Emerging players are Culte, Apollo Agriculture, ProducePay and Jai Kisan. Broad incumbents are Banco do Brasil, Sicredi and Rabobank.
Does Agroforte have an API?
No public API is recorded for Agroforte.
What industry is Agroforte in?
Agroforte's product category is Agricultural Lending. Its primary akta.pro industry code is AFAAAFAO, Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links). Its NAICS code is 522220 and its SIC code is 6153.