Granting of rural credit falls 16% at the beginning of 2025.

The granting of rural credit in Brazil reached R$ 83 billion in the first six months of 2025, registering a 16% decrease compared to the same period in 2024. According to the Serasa Experian Agro Bulletin, the value fell by approximately R$ 16 billion. 

The datatech company used data based on 2,8 million individuals mapped in the rural population who contracted rural or agro-industrial financing and authorized the use of data from the Positive Credit Registry. According to Marcelo Pimenta, head of agribusiness at Serasa, one of the factors contributing to the decline is the more cautious market trend. 

"At the same time, the sector faces challenges such as the gradual increase in default rates, climate events, and stricter socio-environmental compliance criteria," he assesses. 

In a quarterly view, data from the second quarter of 2025 – which reached R$ 47 billion in rural and agro-industrial credit concessions – shows that the average loan amount decreased while the volume of new contracts increased compared to the same period last year. The average value per individual taxpayer identification number (CPF) was R$ 157,9, a decrease of 22,1%, while the total number of contracts reached 343,6 – an increase of 11,4% on the same basis of comparison.

The Central-West, South, and Northeast regions stand out in the distribution of rural credit.

Also in the second quarter of 2024, according to data from the datatech company, the Central-West Agro region stood out in terms of the highest results regarding: value per contract (R$ 468), number of contracts per CPF (1,37), and average ticket per CPF (R$ 639). The South region led in terms of loan amount (R$ 15 billion). In the Northeast Agro region, the highlight was the highest number of CPF holders with contracts (108) and the number of new contracts (111).

The new edition of the Agro Bulletin reveals an economic and financial snapshot of the country's agribusiness and is available for free download on the Serasa Experian website (www.serasaexperian.com.br/conteudos/boletim-agro/#download).