Confidence in collateral, from plan to grain.
Visibility of the traceable supply chain for collateral: it reflects the field’s real history and warehouse custody — not the regional average. INTEGRO supports the credit decision with evidence.
INTEGRO supports the credit decision with evidence. It does not attest collateral nor guarantee physical existence for credit purposes, and it does not promise a rate. Scenarios shown are illustrative simulation, not a promise.
When collateral depends on declaration, risk becomes a premise.
In the agribusiness portfolio, much of the operation is still backed by documents and regional estimates — not by monitoring. Three situations recur at the credit desk.
Collateral sized by the regional average
The operation uses the IBGE average yield, not the field’s real one. Whoever harvests 80 bags/ha enters the calculation as 60 — and the asymmetry stays embedded in the collateral.
Inventory without enough visibility
A divergence between what is in the silo and what is on paper becomes risk — and risk without visibility ends up priced into the spread.
An operation backed by declaration
Credit tracked by paper, not by continuous data. Without an auditable trail, due diligence relies on trust — and trust costs risk.
An evidence layer over the operation that backs the collateral.
INTEGRO links plan, execution, harvest and warehouse quality to an auditable trail. The financier comes to see the operation behind the credit — instead of relying on merely declaratory information.
Collateral stops mirroring the regional average and comes to reflect the field’s real history and the grain’s custody.
Georeferenced sampling points, execution telemetry (who, where, when, with which machine), classification by lot/batch in the warehouse and linked documentation make up a single trail. INTEGRO organizes this evidence so the institution can assess the operation with verifiable data — reducing the information asymmetry that normally becomes a risk premise.
CPR, CDA and WA come to rely on operational governance and monitored physical collateral, at a high level. INTEGRO supports this visibility; the decision and the attestation remain with the institution and its appraisers.
What changes for the financier
- Visibility into the financed operation: area, field and season
- The relationship between area, plan, season, production, inventory and collateral
- Governance over CPR, CDA and WA with monitored physical collateral
- Less dependence on merely declaratory information
- An auditable base for structured operations and the data room
- Collateral that reflects the field’s real history, not the regional average
From origin to warehouse, in three auditable steps.
Each stage generates evidence that backs the next — and that the institution can verify, within the scope authorized by the farmer.
1 · Origin by field (plot)
Georeferenced polygon, soil sampling and season plan: the operation stays linked to the real field, not to a regional average.
2 · Monitored execution
Telemetry, pivots and applications record who executed, where, when and with which machine — continuous evidence, not declaration.
3 · Warehouse custody
Intake, classification and quality by lot/batch give visibility into the inventory — an auditable base that supports, at a high level, CDA/WA and CPR.
Each stage generates data. Each piece of data gives visibility into the collateral. INTEGRO organizes the evidence; the credit decision belongs to the institution.
A base built on real agribusiness data.
The evidence that gives visibility into collateral comes from a structured operational base — we speak in t/h, ha, bags and years, never in a guaranteed premium.
80 bags/ha read as 80
When the operation reflects the field’s real history, yield enters the calculation as it happened — not as the 60 bags/ha average presumed by the region.
Quality by lot/batch
Classification, moisture and impurities recorded lot by lot in the warehouse — continuous visibility into the inventory that backs the collateral.
Recent evidence
Monitored and current execution, dated by field — the trail that due diligence accepts to verify, instead of starting from declaration.
INTEGRO works with operational evidence. The figures and scenarios on this page are illustrative and do not constitute a promise of a price premium, of a rate reduction or of credit approval. INTEGRO supports the decision; it does not attest collateral for credit purposes.
What evidence changes at the credit desk.
Outcome on the operation, not a feature: more visibility into the collateral, less information asymmetry, a decision supported by verifiable data.
The operation behind the credit, in plain view
Area, field and season monitored, with the relationship between production, inventory and collateral — the financed operation stops being a black box.
Verifiable data in place of declaration
An auditable trail from origin to warehouse reduces the dependence on merely declaratory information — risk less based on premise.
CPR, CDA and WA with monitored collateral
Operational governance over the instruments, at a high level, with monitored physical collateral — an auditable base for structured operations.
Origin organized for due diligence
Evidence gathered by field, execution and custody, ready for the institution’s and partners’ data room — with the final declaration left to whoever issues it.
Deforestation risk more visible
Origin by field and recent evidence support reading deforestation exposure in the agribusiness portfolio — a trail for due diligence, not an attestation of our own.
Collateral linked to the field, not the average
Plan, management, harvest and quality by lot/batch link the collateral to what happened in the field — the field’s real history weighs in the operation.
The objections we hear from the credit desk.
Assess an operation with verifiable data.
INTEGRO organizes the evidence trail that gives visibility into the collateral — from plan to grain. The credit decision is yours; the evidence is ours.
INTEGRO supports the credit decision with evidence. It does not attest collateral nor guarantee physical existence for credit purposes, and it does not promise a rate. Scenarios are illustrative simulation, not a promise.
One source of truth. Each agent in the chain gains on top of it.
Soybean traceability, field by field
Prove the origin of your soybeans and open better credit with the field’s real history.
See moreField data as traceable evidence
Track management execution at the right time and dose, with evidence by field (plot).
See moreCustody and quality by lot/batch, auditable
Intake, classification and inventory lot by lot — the warehouse as the chain’s trust hub.
See moreOrigin evidenced for due diligence
Origin by field and warehouse custody support EUDR, non-GMO and ESG — in layers, not declaration.
See more