Brazilian agribusiness faces complex challenges that go beyond productivity, involving rural credit, climate and financial management. For João Marcelo Dumoncel, CEO of 3Tentos (), the official rural credit of the Plan Safra, for example, has not been sufficient for the producers. The executive was the guest of the fifth episode of the business root podcast, partnership between Infomoney e The Agribizto detail as 3Tentos has acted in this scenario.
To get an idea, according to a study by Otaciano Neto, CEO of Zera.ag and presenter of the root of the business, every R $ 1 of official rural credit, R $ 3.68 of gross value are generated of production in Brazil. There are, however, important regional differences: in Mato Grosso, for example, R $ 7 is generated for each invested real, while in Rio Grande do Sul, only R $ 2 return for the same investment due to recent drought events and floods. 3Tentos acts in both states.
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The CEO explained that Rio Grande do Sul faces consecutive years of climate adversity: dried, floods and, consequently, crop breaks. “This has decapitalized many producers. As we had good harvests before, there were those who managed to have reservations, to hold the blows.”
In Mato Grosso, the situation is almost the opposite: the high productivity of soy and corn maintains good liquidity and financial health. However, maintaining the high selic and pressured prices require even more management and productivity. “The way to compensate is for productivity. We need to have good partners and wake up early, put the boot in the mud to make the thing walk,” said the CEO.
In addition, 3Tentos invests in biomass to support the expansion of the corn ethanol industry, with integrated forest planting projects. According to Dumoncel, this ensures medium -term self -sufficiency, strengthening the business model and ensuring safety for producers and industry.
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3Tentos financing fronts
In a context of high interest and climate adversities, the company operates on two main fronts of financing in the agricultural market.
First, through the modality barterwhich allows liquidity via future contracts for the sale of grains or derivatives. According to the company’s CEO, this possibility brings a “fantastic” virtue: it is exactly this liquidity passed on to the farmer in the form of inputs that enables the formation of crop.
Second, through TentCap, which connects the capital market to the farmer. This topic is very important, according to the Company’s commander, to increase the proximity to the rural producer, meeting the real demands of customers, such as credit.
