TerraMagna launches credit analysis and input financing platform TM Digital in Brazil

Date:04-25-2025

Brazilian agfintech TerraMagna announced the creation of the TM Digital platform, where input distributors and retailers can operate credit analysis and financing for product acquisition in Brazil.

Simultaneously, TerraMagna will offer credit concessions through FIDCs (Investment Funds in Credit Rights). This is a financial product in which investors can purchase credit rights from companies, such as invoices, checks, loans, and other receivables.

According to the Brazilian fintech, TM Digital is positioned as a Software as a Service (SaaS) for Brazilian agribusiness. The platform uses a "risk management engine" that helps companies make decisions when granting credit: pre-financing, analysis, management of securities and guarantees, satellite monitoring, portfolio performance, and collection-as-a-service to continue monitoring the process until the due amounts are collected.

However, the platform can be contracted with all functionalities or in isolated modules. According to the agfintech, if the client wants to contract only the specific satellite monitoring service, they can do so.

Carolina Vergeti, the executive who will lead TM Digital, stated that it is a unique platform on the market. This system can be contracted in a highly customizable way and adapts to any credit policy. "Currently, input distributors use about eight to ten different sources of data analysis. With this platform, we bring all this information into a single environment, with recommendations for decision-making," she explains.

According to the TerraMagna executive, the result is greater agility and assertiveness: "Nowadays, credit grantors take about a week to make a decision. With TerraMagna's credit platform," projected Vergeti, "it is possible to analyze and formalize financial guarantees in a few minutes."

TM Digital's goal is to win over 150 companies by the end of 2025, including input retailers and distributors of all sizes throughout Brazil, which are the company's target audience. The fintech also targets cooperatives, agro-industries, trading companies, and asset managers, with the expectation of moving BRL18 billion this year.

Currently, TerraMagna manages around BRL1.4 billion in credit through FIDCs, the largest of which is the fund structured for Agrogalaxy, a vehicle with net equity of around BRL900 million. Another BRL528 million is allocated to another FIDC that brings together credit rights from retailers spread among thousands of farmers, all in partnership with the manager Milênio.

Rodrigo Marques, co-founder of TerraMagna, said that the agfintech's long-term ambition is to become a "technology platform that supports the entire financial flow of the sector, making agribusiness an even safer and more profitable investment for Brazilians."

The agfintech has already received investment contributions from venture capital groups such as The Yield Lab and OneVC. In its most recent Series A round, it raised US$40 million led by SoftBank, with participation from Shift Capital and Milenio Capital three years ago. (BRL1,000 = $0,1747).

(Editing by Leonardo Gottems, reporter for AgroPages)