The tightening of traditional rural credit is reshaping how resellers and input companies finance their operations in Brazil. In February 2026, default among individual rural producers reached 7.4%, according to the Central Bank, more than double the 2.9% recorded a year earlier. When considering only the portion of operations contracted at market rates, the indicator rises to 13.8%.
The rural credit numbers reinforce this scenario change. Disbursements for the 2026/27 harvest totaled R$12.7 billion in the first month, according to MAPA, less than half of the R$28.3 billion released in the same period of the previous cycle. Debt restructuring also grew, indicating greater difficulty for producers in meeting their obligations.
The Brazilian capital market absorbs part of this repressed credit demand. It is in this space that AgRisk Capital operates, a unit dedicated to receivables anticipation for resellers and input companies, offering an alternative to traditional rural credit at a time of greater selectivity by banks.
