Traive

Traive is a technology company operating at the intersection of agriculture and financial services. Its platform digitizes the full path of agricultural credit — from a farmer's financing request through to the capital markets — allowing crop protection manufacturers, input distributors, traders, cooperatives, farmers and trading companies to review, register, manage and trade loans in one place. Proprietary artificial intelligence produces credit scores and immediate risk assessments, drawing on more than 2,500 data points, and supports real-time monitoring of credit portfolio risk for credit managers, banks and fintechs.

The offering is organized into two product lines. Traive Agro targets the agribusiness side, automating manual steps across the credit workflow to add governance and control to input sales financing and to widen access to financing lines across the agricultural supply chain. Traive Finance serves the financial market with credit risk analysis, origination and qualification of agricultural credit assets, traceability of asset history, and predictive analytics intended to let investors diversify into agricultural assets.

Founding story

Traive was founded in 2018 by Fabricio Pezente and Aline Oliveira, a married couple who developed the idea while studying at MIT. Pezente came from investment banking, where he sold credit assets to investors outside Brazil, and Oliveira had been head of M&A for Latin America at a major agricultural company. Observing US fintech models applied to other industries, they identified a gap in credit intermediation for Brazilian agriculture and adapted those approaches to the sector.

Business model

Traive supplies software and analytics to participants in the agricultural credit chain — input manufacturers, retailers, distributors, cooperatives and lenders — for credit workflow automation and AI-based risk scoring, and separately connects originated and qualified agricultural credit assets to investors and the capital markets.

Not stated in available sources.

Traction

The company reports more than 160,000 farmers registered on its platform, over 60 billion in credit asset volume across its client base, more than R$6 billion in credit assets in recurring structured operations, and over 12 billion in credit analyses performed. It has been included in the Emerging Giants program.

Latest developments

Reported funding of $20 million led by Banco do Brasil's BB Impacto ASG I Fund in 2024 was directed at accelerating technology, expanding in Brazil and launching a credit trading platform, with stated ambitions to expand into other countries to consolidate a risk-diversification thesis. The company has since participated in the Emerging Giants program and held an event with Serasa Experian on agribusiness financing.