AgriCapital

What AgriCapital does

AgriCapital is a Colombian fintech founded in 2016 and headquartered in Medellín that provides digital agricultural credit products to small and medium-sized farmers in Colombia. The company operates a mobile-first lending platform that enables farmers to apply for credit using only their national ID (cédula), receive a credit viability decision in approximately one minute, and repay loans aligned with harvest cycles rather than monthly schedules. Its core products are AgroCrédito (direct agricultural credit for inputs and tools) and Crédito Tienda (store credit redeemable at partner merchants), distributed through an Android mobile application, WhatsApp-based advisor support, and a physical network of over 1,000 AgroComercios partner agricultural input stores.

The company generates revenue primarily from the interest spread between institutional capital sourced from development finance and impact investors and the yield earned on loans to smallholder farmers. AgriCapital has served more than 20,000 producers across Colombia and historically disbursed over COP 25,000 million (approximately US$5.5 million) in agricultural credits. Capital is sourced from institutional partners including Bancolombia, IDB LAB, ALIVE Ventures, Alphamundi, and The Yield Lab LATAM, with strategic alliances also involving COMFAMA, Rabo Foundation, Desjardins, and Bancolombia Foundation, providing both loanable funds and credibility in the rural Colombian market.

AgriCapital closed a $7.4 million seed round in October 2024 led by ALIVE Ventures and has subsequently expanded into gender-focused financial inclusion through a dedicated credit line for 1,500+ rural women farmers. The business model is a hybrid of self-service digital distribution and a partner-store channel, supported by media coverage in major Colombian outlets and word-of-mouth referrals through the AgroComercios network. The company is private, headquartered in Colombia, and operates exclusively in the domestic market.

Name

AgriCapital

Legal name

AgriCapital

Website

https://agricapital.com.co

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

AgriCapital is a Colombian fintech that provides digital agricultural credit and store credit to small and medium-sized farmers in Colombia. It serves 20,000+ producers through a mobile app and 1,000+ AgroComercios partner stores, with harvest-linked repayment terms.

Ownership category

akta.pro rank

Product category

Agricultural Microfinance / Rural Digital Lending

NAICS

Sales Financing (52222), Activities Related to Credit Intermediation (5223)

SIC

Personal Credit Institutions (6141), Agricultural Services (700)

akta.pro primary industry

Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO)

akta.pro secondary industry

Agriculture Inputs & Farm Supply Marketplaces (CRAFAHAL)

Keywords

• Agricultural credit
• Digital lending
• Farmer financing
• Rural microfinance
• Harvest-linked loans

Headquarters

HQ city

Medellín

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Technology or R&D, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Agricultural Credit Interest: Revenue generated from interest on agricultural loans extended to small and medium-sized farmers. Loans are used to purchase agricultural inputs and tools from partner AgroComercios stores. The company earns interest spread between cost of capital (from institutional investors) and yield on farmer loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

AgriCapital provides digital agricultural credit products (AgroCrédito and Crédito Tienda) to small and medium-sized farmers in Colombia, enabling them to purchase agricultural inputs and tools on installment plans through a network of 1,000+ partner AgroComercios stores. Credit decisions are delivered in approximately 1 minute via mobile app using only a national ID, with repayment schedules aligned to harvest cycles. The platform also offers store credit and accompaniment services through WhatsApp advisor support.

Product overview

AgriCapital operates as a unified digital agricultural fintech platform offering credit products to small and medium-sized farmers in Colombia. The core offering consists of AgroCrédito (agricultural credit) and Crédito Tienda (store credit), both accessible through the company's mobile app and partner network. Farmers can apply via mobile device, partner stores, or WhatsApp advisor, with credit decisions made in approximately 1 minute. Repayment is scheduled around harvest cycles. The platform connects over 20,000 producers with more than 1,000 partner AgroComercios.

Differentiator

Problem solved

Functional benefit

Products and services

• AgroCrédito Digital agricultural credit product enabling Colombian small and medium-sized farmers to purchase agricultural inputs and tools on installment plans through partner AgroComercios stores. Features include approximately 1-minute viability approval, mobile-based application with just a national ID document, and harvest-based repayment scheduling.
• Crédito Tienda Store credit product that enables farmers to purchase agricultural supplies and tools from one of 1,000+ partner AgroComercios (agricultural stores) with installment payment options.

Quantifiable outcome

• 20,000+ farmers served across Colombia
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• COMFAMAcoreStrategic or Co-development PartnerParticipated in funding round. COMFAMA is a Colombian parafiscal organization (caja de compensación familiar) providing social benefits and development programs in Antioquia region.
• Fundación BancolombiacoreStrategic or Co-development PartnerStrategic ally providing social development focus and community reach for agricultural financing programs.
• BID LABcoreStrategic or Co-development PartnerListed as strategic ally alongside funding participation. IDB LAB supports innovation in financial services for underserved populations.
• Rabo FoundationcoreStrategic or Co-development PartnerStrategic ally providing agricultural finance expertise and connections to the global Rabobank network focused on food and agriculture.
• DesjardinsminorStrategic or Co-development PartnerListed as strategic ally. Desjardins is a Canadian cooperative financial group with international development experience.
• AgroComercios PartnerscoreChannel Partner/ Reseller/ DistributorNetwork of 1,000+ agricultural input stores across Colombia that serve as distribution points for AgriCapital credit products. These partner stores accept credit for purchases and provide physical access points for farmers.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds5 records

Investors6 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AgriCapital