Farmtech
Farmtech is a Brazilian digital rural credit platform founded in 2017 that facilitates guarantee-free financing for agribusiness producers, retailers, and input manufacturers, having enabled over R$22 billion in credit across 200,000+ operations via a regulated multi-entity group structure.
- Company typePrivate
- Founded2017
- HeadquartersSão Paulo, Brazil
- Headcount101–250
- GTM typeB2B and B2C
- OfferingSoftware
What Farmtech does
Farmtech is a Brazilian digital credit platform founded in 2017 that simplifies guarantee-free rural credit access for agribusiness stakeholders, having facilitated over R$22 billion in financing across more than 200,000 credit operations since inception. The company operates through a three-entity group structure: Farmtech Soluções Digitais (the technology platform), Farmtech Gestão de Recursos (a CVM-regulated and ANBIMA-compliant investment fund manager operating FIDC and FIAGRO agribusiness credit funds), and Farmtech Sociedade de Crédito Direto S.A. (a Banco Central do Brasil-authorized direct credit institution). Its product suite includes FarmFlex (full-cycle input commercialization financing), FarmPlus (customer-base credit extension), Key Account (dedicated distribution channel credit lines), and Sob Medida (bespoke credit solutions), all delivered through a 100% digital self-serve platform with pre-approved harvest-season credit limits.
The company serves three primary vertical segments: rural producers seeking working capital for input purchases, agricultural input retailers financing inventory and offering installment sales, and agribusiness industries (input manufacturers) seeking distribution channel credit solutions. Its distribution model combines a self-serve digital platform (Portalfarm) with an extensive network of over 2,200 agricultural input retailers across Brazil, supplemented by direct enterprise sales to major input manufacturers including Corteva, Syngenta, Bayer, UPL, Yara, and Adama, who use Farmtech to extend embedded credit through their dealer networks.
Revenue is generated through three mechanisms: transaction fees on credit facilitation between financial institutions and borrowers, management fees from regulated agribusiness investment funds (FIDCs and FIAGROs), and emerging net interest margin from Farmtech SCD's direct on-balance-sheet lending operations. The company claims 85%+ coverage of Brazil's agricultural inputs supply chain and serves 20,000+ customers. In July 2024, Farmtech raised $10 million from Bewater to accelerate product expansion and credit access across Brazil.
Farmtech firmographics
Firmographics- Name
- Farmtech
- Legal name
- Farmtech Soluções Digitais Ltda.
- Website
- https://farmtech.com.br
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Farmtech is a Brazilian digital rural credit platform founded in 2017 that facilitates guarantee-free financing for agribusiness producers, retailers, and input manufacturers, having enabled over R$22 billion in credit across 200,000+ operations via a regulated multi-entity group structure.
- Ownership category
- akta.pro rank
Farmtech industry classification
Industry- Product category
- Agribusiness Digital Lending
- NAICS
- Other Farm Product Raw Material Merchant Wholesalers (424590)
- SIC
- Agricultural Services (700), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO)
- akta.pro secondary industries
- Farm Data Platforms, Integration & APIs (Interoperability/Middleware) (AFAAAFAG), Supply Chain, Marketing & Contracting Advisory (Grain/Livestock Marketing) (AFACAJAH), Agriculture Inputs & Farm Supply Marketplaces (CRAFAHAL)
Keywords
Where Farmtech is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices2 records
Markets served
Farmtech business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Others
Revenue model
- Credit Operations: Farmtech facilitates digital rural credit transactions between financial institutions/investment funds and rural producers, retailers, and industries through its platform. Revenue is generated through transaction fees and credit facilitation services.
- Investment Fund Management: Farmtech Gestão manages investment funds (FIDCs and FIAGROs) focused on agribusiness credit rights, generating management fees from fund operations
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
Farmtech product offering
Product offeringCore offering
Farmtech provides a 100% digital credit platform that connects Brazilian rural producers, agricultural input retailers, and agro-industries with capital providers, offering pre-approved seasonal credit limits, inventory financing, installment sales credit, and customizable credit lines across the agricultural inputs supply chain. The group operates three entities—a technology platform (Farmtech Soluções Digitais), a CVM-regulated investment fund manager (Farmtech Gestão), and a Banco Central-authorized direct credit society (Farmtech SCD)—to deliver guarantee-free rural credit and agribusiness investment funds (FIDC/FIAGRO).
Product overview
Farmtech operates as a multi-product platform for rural digital credit in Brazil, consisting of several credit solutions: FarmFlex (complete cycle financing), FarmPlus (sales enhancement credit), Key Account (distribution channel solutions), and Sob Medida (customized credit). The Group comprises three entities: Farmtech Soluções Digitais (technology platform developer), Farmtech Gestão (CVM/ANBIMA-regulated investment fund manager operating FIDC and FIAGRO products), and Farmtech SCD (Banco Central-authorized direct credit society). The platform connects agribusiness participants including retailers, industries, and rural producers with digital credit solutions.
Differentiator
Problem solved
Functional benefit
Brands
- FarmFlex: Complete solution for financing the entire input commercialization cycle, with working capital to finance inventory and installment sales to rural producers.
- FarmPlus
- Key Account
- Sob Medida
Products and services
- FarmFlex Credit solution enabling agribusinesses to finance the complete cycle of agricultural inputs, from inventory acquisition to installment sales to producers, with pre-approved credit limits valid for the harvest season.
- FarmPlus Credit solution that increases sales potential for businesses by providing additional credit for their customer base, enabling secure installment selling with lines compatible with sales needs.
- Key Account Exclusive credit solutions for distribution channels, offering dedicated credit limits for distribution partners with harvest-term credit in a fully digital experience.
- Sob Medida (Custom Credit) Customized credit solutions developed according to the specific characteristics of each business operation, with exclusive lines and adaptable journey flows.
- Farmtech Gestão (Investment Funds) Investment fund management company regulated by CVM and self-regulated by ANBIMA, focused on agribusiness investment funds including FIDC and FIAGRO products.
- Farmtech SCD (Direct Credit Society) Direct Credit Society authorized by Banco Central do Brasil, operating as a financial institution through a 100% digital platform offering credit operations for the agribusiness supply chain.
Quantifiable outcome
- R$22 billion+ in rural digital credit facilitated since 2017
- +2 more outcomes
Companies that use Farmtech
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
Farmtech technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Farmtech partnerships and signals
Strategic signalScale indicators8 records
Recent moves6 records
Expansion highlights5 records
Farmtech competitors and assessment
Company assessmentDirect peers
- Agrolend: Brazilian digital agribusiness credit platform offering working capital and input financing to rural producers via a 100% digital experience — the closest direct competitor to Farmtech's core rural credit facilitation business in Brazil.
- Traive: US- and Brazil-based ag fintech that connects agricultural borrowers to capital markets using ML-driven credit scoring — directly comparable to Farmtech in providing data-driven, digital-first credit infrastructure for agribusiness.
- Indigo Ag: US-based ag tech platform offering grain marketing, carbon programs, and ag input financing via its digital marketplace — comparable to Farmtech in operating an ag-credit and supply-chain financing platform serving producers and agribusiness.
Emerging players
- Aegro: Brazilian farm management SaaS platform serving producers with planning, financial, and inventory tools — adjacent to Farmtech, sharing Brazilian ag-tech DNA and serving overlapping producer customers with financial-management functionality.
- Orbia (formerly Bossa Nova Investimentos): Brazilian ag-input B2B marketplace and credit platform connecting producers, retailers, and manufacturers — directly overlaps with Farmtech in digitizing the ag inputs supply chain and offering embedded credit.
Broad incumbents
- Solinftec: Brazilian ag-tech leader offering digital farm management, IoT, and operational solutions to large-scale producers — comparable to Farmtech as a Brazilian agtech serving rural customers with digital financial and operational tools, though focused on operations rather than credit.
- Banco do Brasil: Brazil's largest agribusiness lender, offering rural credit, working capital, and input financing through an extensive branch network — the dominant incumbent against which Farmtech competes in Brazilian rural credit origination.
- TOTVS: Largest Brazilian enterprise software company with a significant agribusiness vertical including farm management and ERP — comparable to Farmtech in serving Brazilian agribusiness with digital financial-management tooling at scale.
- BNDES (Brazilian Development Bank): Brazil's federal development bank and a major source of subsidized rural credit via programs like Pronaf — the structural incumbent shaping the rural credit landscape in which Farmtech operates.
- Rabobank Brazil: Global ag-focused bank with a Brazilian franchise specializing in rural lending and FIDC/FIAGRO-style ag credit products — overlaps with Farmtech in originating and structuring agribusiness credit and fund vehicles.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Farmtech social profiles
Digital presenceFarmtech compliance and trust
Trust signalCompliance3 records
Farmtech financial estimates
Financial estimateRevenue estimate
Valuation estimate
Farmtech leadership team
Management profileNumber of profiles
Farmtech funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Farmtech 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 Farmtech
What does Farmtech do?
Farmtech provides a 100% digital credit platform that connects Brazilian rural producers, agricultural input retailers, and agro-industries with capital providers, offering pre-approved seasonal credit limits, inventory financing, installment sales credit, and customizable credit lines across the agricultural inputs supply chain. The group operates three entities—a technology platform (Farmtech Soluções Digitais), a CVM-regulated investment fund manager (Farmtech Gestão), and a Banco Central-authorized direct credit society (Farmtech SCD)—to deliver guarantee-free rural credit and agribusiness investment funds (FIDC/FIAGRO).
Is Farmtech a public or private company?
Farmtech is a private company. It is classified as venture growth investor backed and is currently operating.
When was Farmtech founded?
Farmtech was founded in 2017. It employs 101 to 250 people.
Where is Farmtech based?
Farmtech is headquartered in São Paulo, Brazil, in the Latin America region.
How does Farmtech make money?
Two revenue lines are on record. Credit Operations are the primary driver. The others are investment Fund Management.
Who are Farmtech's main competitors?
Direct peers on record are Agrolend, Traive and Indigo Ag. Emerging players are Aegro and Orbia (formerly Bossa Nova Investimentos). Broad incumbents are Solinftec, Banco do Brasil, TOTVS, BNDES (Brazilian Development Bank) and Rabobank Brazil.
Does Farmtech have an API?
No public API is recorded for Farmtech.
What industry is Farmtech in?
Farmtech's product category is Agribusiness Digital Lending. Its primary akta.pro industry code is AFAAAFAO, Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links), with a secondary code of AFAAAFAG, Farm Data Platforms, Integration & APIs (Interoperability/Middleware). Its NAICS code is 424590 and its SIC code is 700.