PRONAF – MAIS ALIMENTOS

Rural credit to increase production and productivity in family farming

WHAT IS IT?

It is a line of credit that finances investments in family property’s productive infrastructure to promote increased production and productivity and the reduction of production costs, aiming to increase the income of the rural producer family.

WHO CAN?

Pronaf Mais Alimentos can be contracted by family rural producers, with a Declaration of Aptitude for Pronaf (DAP).

WHAT CAN BE FINANCED?

Facilities, labor, machinery and equipment.

FORMS OF GRANTING CREDIT

INDIVIDUAL: formalized with a producer, for individual purposes;

COLLECTIVE: formalized with a group of producers, for collective purposes. Aimed exclusively at financing the construction, renovation or expansion of improvements and permanent facilities; machines; equipment, including irrigation; and agricultural implements and storage structures, in common use.

INTEREST RATES

2.5% per year for the following projects and purposes:

• adoption of conservation practices for the use, management and protection of natural resources, including the correction of soil acidity and fertility and the acquisition, transport and application of inputs for these purposes;

• formation and recovery of pastures, grasslands and other forage species, production and conservation of forage, silage and hay intended for animal feed;

• implementation, expansion and renovation of water collection, storage and distribution infrastructure, including acquisition and installation of water reservoirs, electrical infrastructure and irrigation equipment;

• acquisition and installation of protected cultivation structures, including automation equipment for these crops;

• construction of silos, expansion and construction of warehouses for storing grains, fruits, tubers, bulbs, vegetables and fibers; It is

• acquisition of milk cooling tanks and milking machines.

4.6% per year for other projects and purposes.

If the client contracts a new operation within the scope of Pronaf Mais Alimentos, which, added to the amount contracted in the same agricultural year, exceeds R$ 30 thousand, the new financing will be contracted with an interest rate of 5.5% p.a..

FINANCING LIMIT (Per Agricultural Year)

Individual limit

  • R$ 330 thousand for pig farming, poultry farming, aquaculture, shrimp farming (crustacean farming) and fruit farming activities; It is
  • R$165 thousand for other purposes.

Collective limit

  • R$800 thousand, respecting the individual limits described above.

TERM

For the purchase of cargo trucks, up to 5 years, with no waiting period.

For other financeable items, up to 10 years, including a grace period of up to 3 years.

For financing storage structures, the term can reach 15 (fifteen) years, with a grace period of 3 years.

For more information see here

PCA – Program for Construction and Expansion of Warehouses

WHAT IS IT?

Financing for producers and rural cooperatives for the construction, expansion, modernization or renovation of warehouses.

WHO CAN?

• Rural producers (individuals);
• Rural producers (legal entities); It is
• Rural producer cooperatives.

WHAT CAN BE FINANCED?

Individual or collective investments, linked to the objective of the program, referring exclusively to projects for the expansion, modernization, renovation and construction of warehouses intended for the storage of grains, fruits, tubers, bulbs, vegetables, fibers and sugar.

INTEREST RATES

6.5% per year (p.a.)

FINANCING LIMIT

It does not have.

TERM

Up to 15 years, with a grace period of up to 3 years.

If the repayment period is monthly, the grace period will be at least three months.

For more information see: http://www.bndes.gov.br/wps/portal/site/home/financiamento/produto/pca

INOVAGRO – Program to Incentive Technological Innovation in Agricultural Production

WHAT IS IT?

Financing for the incorporation of technological innovations in rural properties, aiming to increase productivity and improve management.

WHO CAN?

• Rural producers (individuals);
• Rural producers (legal entities); It is
• Rural producer cooperatives.

WHAT CAN BE FINANCED?

• Automation and adaptation of facilities in the poultry, swine and dairy farming segments, including the integrated or isolated acquisition of machines and equipment for this purpose.

• Items that comply with the PI-Brasil Integrated Agricultural Production and Animal Welfare Systems, and the Safe Food Programs of the various production chains, and Good Agricultural Practices for Beef and Dairy Cattle Farming;

INTEREST RATES

6.5% per year (p.a.).

FINANCING LIMIT

• Individual enterprise: R$1.1 million per client;
• Collective enterprise: R$3.3 million, respecting the individual limit per participant.

The limit for individual enterprise