plantae
Plantae Agrocrédito is a Brazilian licensed financial institution that provides rural credit, insurance, and digital security products to agricultural producers holding supply contracts with agroindustries, using AI-driven underwriting that does not require traditional real guarantees.
- Company typePrivate
- Founded2021
- HeadquartersSoares, Brazil
- Headcount1–10
- GTM typeB2B
- OfferingServices
What plantae does
Plantae Agrocrédito (legal name: Plantae S/A – Crédito, Financiamento e Investimento, CNPJ 35.551.187/0001-04) is a Brazilian licensed financial institution founded in 2021 and headquartered in Presidente Prudente, São Paulo. The company is 100% focused on rural credit for the agricultural sector, extending financing to rural producers who hold supply or partnership contracts with agroindustries. Its core product, Crédito Rural, includes CPR-F (Cédula de Produto Rural Financeira), CCB Rural, and NPR (Nota Promissória Rural) instruments covering crop financing (custeio agrícola), infrastructure investments, technology, machinery purchase, and sustainability. The bank differentiates by offering credit without requiring real guarantees from producers with agroindustry contracts, with credit release in up to five business days. Strategic distribution relies on a hybrid field-and-digital model: dedicated agricultural credit managers visit farms across Brazil, supplemented by a WhatsApp-first intake, an online credit simulation tool, and an internet banking platform (ib.plantaeagrocredito.com.br). Referrals are sourced from agroindustrial partners including Cargill, Cocal, Citrosuco, Minerva Foods, Adecoagro, Marfrig, Coruripe, Viterra, Tereos, and COFCO International.
plantae firmographics
Firmographics- Name
- plantae
- Legal name
- Plantae S/A. – Crédito, Financiamento e Investimento
- Website
- https://plantaeagrocredito.com.br
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Plantae Agrocrédito is a Brazilian licensed financial institution that provides rural credit, insurance, and digital security products to agricultural producers holding supply contracts with agroindustries, using AI-driven underwriting that does not require traditional real guarantees.
- Ownership category
- akta.pro rank
plantae industry classification
Industry- Product category
- Agricultural Lending
- SIC
- Short-Term Business Credit Institutions (6153), Finance Services (6199)
- akta.pro primary industry
- SBA/Government-Backed & Development Finance Loans (FSAKAGAI)
- akta.pro secondary industry
- Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO)
Keywords
Where plantae is headquartered
LocationHeadquarters
- HQ city
- Soares
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
plantae business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Rural Credit (Crédito Rural): Provides credit for agricultural production including crop financing (custeio agrícola), infrastructure investments, technology, machinery purchase, and sustainability. Main modalities include CPR-F (Cédula de Produto Rural Financeira), CCB Rural (Cédula de Crédito Bancário Rural), NPR (Nota Promissória Rural), checking account for banking domicile, and guaranteed account. Revenue generated through interest rates on loans and financing.
- ConsignAgro: Long-term credit product for landowners with lease and agricultural partnership contracts with agroindustries. Allows anticipation of future lease payment values in a single transaction without waiting month by month.
- Plantae Seguros (Rural and Agricultural Insurance): Insurance products protecting crops, machinery, vehicles, properties and assets. Works with major global insurers to offer comprehensive coverage. Revenue from insurance premiums.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Credit products tailored to producer needs with analysis-based pricing |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
plantae product offering
Product offeringCore offering
Plantae Agrocrédito is a Brazilian regulated financial institution that provides rural credit, financing, and insurance products tailored to agricultural producers who hold supply or partnership contracts with agroindustries. Its core offering includes Crédito Rural (CPR-F, CCB Rural, NPR modalities), ConsignAgro (lease anticipation for landowners), Plantae Seguros (rural insurance for crops, machinery, vehicles and property), and the DAVI digital security platform, with credit released in up to five business days without requiring real guarantees for contracted producers.
Product overview
Plantae Agrocrédito is a financial institution 100% focused on agribusiness, offering a portfolio of credit products centered around rural credit (Crédito Rural), with ConsignAgro as a specialized product for land owners. These core products are complemented by Plantae Seguros (insurance) and DAVI (digital security). The company operates an Internet Banking platform and provides WhatsApp-based customer service. Products are designed for rural producers with contracts of supply or partnership with agroindustries, emphasizing fast processing without real guarantees.
Differentiator
Problem solved
Functional benefit
Brands
- ConsignAgro: A credit modality for landowners with agricultural partnership contracts with agroindustries, enabling anticipation of future lease payment values.
- Plantae Seguros
- DAVI
Products and services
- Crédito Rural Core rural credit product offering CPR-F (Cédula de Produto Rural Financeira), CCB Rural (Cédula de Crédito Bancário Rural), NPR (Nota Promissória Rural), and current account facilities for agricultural financing without requiring real guarantees for producers with supply contracts with agroindustries. Designed for rural producers across sugarcane, soybeans, corn, eucalyptus, citrus, dairy, and cattle segments.
- ConsignAgro Long-term credit product for landowners with active lease and agricultural partnership contracts with agroindustries, enabling advance anticipation of future lease payment values in a single transaction rather than waiting month by month for payments.
- Plantae Seguros Rural and agricultural insurance offering coverage for crops, machinery, vehicles, real estate and assets through partnerships with major global insurers, including property and other lines such as home glass-breakage coverage.
- Internet Banking Online banking portal for existing customers to access and manage their credit accounts, view statements, and track credit operations with Plantae.
Quantifiable outcome
- R$ 1 billion in credit released over 4 years
- +2 more outcomes
Companies that use plantae
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
plantae technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature2 records
plantae partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core.
- CargillcoreAgroindustrial company operating in Brazil as a major player in the agricultural sector. Listed as a Plantae partner company with likely relationship through producer referrals and supply chain financing.
- CocalcoreSugar and ethanol company operating in Brazil. Listed as a Plantae partner with relationships involving producer financing and supply contracts.
- CitrosucocoreMajor citrus processor and orange juice producer. Listed as a Plantae partner company.
- Minerva FoodscoreOne of South America's leading beef exporters with operations across Brazil. Listed as Plantae partner for cattle producer financing.
- AdecoagrocoreSustainable agricultural company focused on sugarcane, dairy and grain production. Listed as Plantae partner.
- MarfrigcoreBrazilian multinational meat processing company. Listed as Plantae partner for cattle producer relationships.
- CoruripecoreSugar and ethanol company from Alagoas, Brazil. Listed as Plantae partner.
- ViterracoreAgricultural company acquired from Glencore, focused on grain and oilseed operations. Listed as Plantae partner.
- TereoscoreFrench-Brazilian sugar and ethanol cooperative. Listed as Plantae partner.
- COFCO InternationalcoreChina's global agribusiness company. Listed as Plantae partner.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
plantae competitors and assessment
Company assessmentDirect peers
- TerraMagna: Brazilian ag-fintech combining satellite data, credit scoring, and rural credit issuance to producers and cooperatives. Comparable in tech-enabled ag underwriting and target market.
- Agrolend: Brazilian digital ag-lender providing CPR-backed credit to farmers without requiring traditional collateral. Closely comparable product (CPR/rural credit), customer segment, and Brazilian geography.
- Traive: Brazilian ag-fintech offering working capital, structured credit, and supply-chain financing to rural producers and agribusinesses. Most direct comparable in mission, customer (rural producers with contract-backed cash flows), and tech-led underwriting approach.
Broad incumbents
- Banco do Brasil: Brazil's largest rural credit provider and the dominant incumbent in agricultural lending. Comparable end-customer (rural producers) and product suite, though full-service commercial bank with vastly larger scale.
- Banco Bradesco: Brazilian commercial bank with a sizable agribusiness portfolio and rural credit offerings. Competes for the same producer customer but with full banking infrastructure rather than ag-specialist positioning.
- Rabobank Brasil: Brazilian arm of the global Dutch ag-bank, focused on agribusiness lending and F&A advisory. Comparable target market and product category, but operates as a global incumbent rather than a niche Brazilian fintech.
- Sicredi: Brazilian cooperative bank with deep agribusiness exposure, particularly through agricultural cooperatives and producers. Serves the same customer segment with rural credit but at much broader scale and via a member-owned model.
- Itaú BBA / Itaú Agro: Agribusiness division of Brazil's largest private bank, providing rural credit, financing and insurance to producers and agroindustries. Comparable customer base and product mix but as part of a full-service retail/commercial bank.
Others
- Banco CNH Industrial (CNH Capital): Captive finance arm of CNH Industrial providing machinery financing to Brazilian farmers. Adjacent ecosystem participant — competes for rural financing demand (machinery purchase credit) but as a manufacturer-affiliated lender rather than an independent rural financier.
Regional players
- Cresol: Brazilian cooperative credit system focused on small and medium rural producers, with strong presence in the South and Center-West. Comparable end-customer (small/medium rural producers) and rural credit focus; competes via member-owned distribution.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
plantae social profiles
Digital presenceplantae financial estimates
Financial estimateRevenue estimate
Valuation estimate
plantae leadership team
Management profileNumber of profiles
Profiles1 record
plantae funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
plantae 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 plantae
What does plantae do?
Plantae Agrocrédito is a Brazilian regulated financial institution that provides rural credit, financing, and insurance products tailored to agricultural producers who hold supply or partnership contracts with agroindustries. Its core offering includes Crédito Rural (CPR-F, CCB Rural, NPR modalities), ConsignAgro (lease anticipation for landowners), Plantae Seguros (rural insurance for crops, machinery, vehicles and property), and the DAVI digital security platform, with credit released in up to five business days without requiring real guarantees for contracted producers.
Is plantae a public or private company?
plantae is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was plantae founded?
plantae was founded in 2021. It employs 1 to 10 people.
Where is plantae based?
plantae is headquartered in Soares, Brazil, in the Latin America region.
How does plantae make money?
Three revenue lines are on record. Rural Credit (Crédito Rural) is the primary driver. The others are consignAgro and plantae Seguros (Rural and Agricultural Insurance).
Who are plantae's main competitors?
Direct peers on record are TerraMagna, Agrolend and Traive. Broad incumbents are Banco do Brasil, Banco Bradesco, Rabobank Brasil, Sicredi and Itaú BBA / Itaú Agro. Banco CNH Industrial (CNH Capital) is listed as an others. Cresol is listed as a regional player.
Does plantae have an API?
No public API is recorded for plantae.
What industry is plantae in?
plantae's product category is Agricultural Lending. Its primary akta.pro industry code is FSAKAGAI, SBA/Government-Backed & Development Finance Loans, with a secondary code of AFAAAFAO, Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links). Its SIC code is 6153.