Key Takeaways
- IncluirTec received investment from The Yield Lab Latam through its Opportunity Fund.
- The company provides Agri-Fintech-as-a-Service solutions to financial institutions serving smallholder farmers.
- IncluirTec reduces loan processing time from 25 days to three days or less via a fully digital platform.
- The company operates in four Latin American countries and partners with 18 financial institutions.
- IncluirTec reports a 97% on-time repayment rate across a USD 200 million loan portfolio.
IncluirTec Attracts Strategic Investment from The Yield Lab Latam
IncluirTec, an Agri-Fintech-as-a-Service company focused on expanding financial inclusion across Latin America, has secured a new investment from The Yield Lab Latam. The funding was made through The Yield Lab Latam’s Opportunity Fund, which targets early-stage startups across AgTech, ClimateTech, and FinTech sectors.
The investment supports IncluirTec’s mission to enable financial institutions to confidently serve smallholder farmers and underserved rural populations. By combining technology, agronomic knowledge, and financial expertise, the company aims to reduce lending risk while strengthening rural economies.
IncluirTec Accelerates Digital Agricultural Lending
IncluirTec addresses a structural gap in the region: limited access to formal financing for rural productive sectors. Its digital platform allows financial institutions to streamline agricultural lending processes while lowering operational costs and risk exposure.
According to the company, the system reduces the time from loan application to disbursement from 25 days to three days or less. The fully digital process eliminates the need for physical branch visits, helping farmers save time and avoid reliance on informal financing channels.
At the core of IncluirTec’s solution is a proprietary alternative scoring algorithm. The model evaluates productive capacity, economic behavior, and open-data sources to assess borrower risk using multidimensional criteria beyond traditional credit scoring methods.
Scale, Performance, and Regional Impact
IncluirTec currently operates in four Latin American countries and collaborates with 18 financial institutions. The platform has processed more than 100,000 loans, contributing to a USD 200 million loan portfolio.
The company reports maintaining a 97% on-time repayment rate, demonstrating the viability of its alternative scoring approach. Access to formal credit through its model has also been associated with increased agricultural productivity, including reported average yield improvements per hectare.
Angélica Acosta, Co-founder and CEO of IncluirTec, said: “This investment from The Yield Lab Latam accelerates our vision to transform agricultural finance. Access to appropriate financing is one of the most powerful levers to strengthen food security and transform rural economies.”
Santiago Murtagh, Managing Partner at The Yield Lab Latam, added: “Their ability to deliver a 97% repayment rate while serving underserved sectors proves that their proprietary scoring model is key to unlocking scalable, sustainable agricultural finance.”
