Tridge summary
With the Selic rate maintained at 15% per year, rural credit has become more expensive and scarce, requiring greater financial planning from producers and agribusiness companies. According to data from the Confederação da Agricultura e Pecuária do Brasil (CNA) and Cepea/USP, the sector represents 23.2% of the national GDP in 2024, but faces a contraction in financing: between July and August 2025, R$ 86.4 billion in credit were released, a 31% drop compared to the same period of the previous year, according to the Central Bank.
Original content
The scenario exposes the financial vulnerability of small and medium-sized properties, which depend on credit to maintain production. Faced with the high cost of financing, experts recommend renegotiating debts, reviewing contracts, and reinforcing controls over costs and cash flow to avoid imbalances. “With the Selic at 15%, credit becomes excessively burdensome for producers who depend on financing. It is fundamental to act preventively: renegotiate terms with creditors, review contracts, and adopt strict controls over operational expenses,” comments Marcos Pelozato, a lawyer, accountant, and specialist in business restructuring. Among the main actions suggested are renegotiating terms with creditors, adjusting indexation clauses, monitoring operational expenses with efficiency indicators, diversifying sources of credit — such as the use of Certificados de Recebíveis do Agronegócio (CRA) — and seeking preventive technical support in financial and legal management. The ...
Source: Agrolink
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