AgriFoodTech venture capital firm The Yield Lab Latam has announced an investment in IncluirTec, an Agri-Fintech-as-a-Service company focused on expanding financial access across rural Latin America.
The investment is intended to support IncluirTec’s efforts to help financial institutions expand services to smallholder farmers and underserved rural communities. Through a combination of digital tools, agronomic insight, and financial structuring, the company seeks to lower lending risk and improve credit access in rural markets.
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. Partnering with TYLL validates our approach of combining advanced technology with deep agronomic expertise and enables us to expand our reach, strengthen food security, and build climate resilience for rural communities across the region.
The company’s fully digital platform claims to reduce loan processing times from approximately 25 days to three days or less. The company currently operates in four Latin American countries and works in partnership with 18 financial institutions. According to the company, it maintains a 97% on-time repayment rate across a loan portfolio valued at around $200 million. IncluirTec’s proprietary alternative scoring algorithm evaluates productive capacity, economic behavior, and open-data sources to assess borrower risk using multidimensional criteria beyond traditional credit scoring methods.
Platform Growth and Outreach
IncluirTec seeks to address a structural gap in the Latin American region, limited access to formal financing for rural productive sectors. Its digital platform aims to streamline agricultural lending processes while lowering operational costs and risk exposure for financial institutions.
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The platform has processed more than 35,000 loan applications across 556 municipalities in Colombia, reducing credit processing times by roughly 75%, according to the company. Around 30% of the applications have come from women-led rural enterprises, reflecting a growing share of female participation in agricultural finance.
IncluirTec was named a regional winner at the She Loves Tech Latin America 2024 competition in recognition of its work in gender-inclusive finance. The company has also expanded its operations into Mexico and recently won a startup pitch competition at the World Agri-Tech Mexico 2025 summit. It has also participated in programmes such as the VC4A Venture Showcase LatAm and the CAF Financial Inclusion Lab, which support high-growth ventures focused on financial inclusion and development.
Scaling Digital Rural Credit
The investment in IncluirTec reflects a broader shift in agrifintech toward embedded risk assessment and data-led rural lending. By reducing loan processing timelines and partnering directly with financial institutions, the model suggests an attempt to modernise agricultural credit without displacing traditional banks. Whether such platforms can sustain high repayment rates at scale will depend on credit discipline, climate variability, and regional policy environments.
The reported participation of women-led enterprises also signals a gradual formalisation of segments historically underserved by mainstream finance. If maintained, this could influence how capital flows into rural value chains.
We are thrilled to back IncluirTec as they tackle the persistent credit gap in Latin America. The team, led by Angélica Acosta and David Quintero, brings over 20 years of expertise in financial technology, which is evident in their impressive traction. Their ability to deliver a 97% repayment rate while serving underserved sectors proves that their proprietary scoring model is the key to unlocking scalable, sustainable agricultural finance.
As the company expands across Latin America, the central challenge may lie less in the pace of growth and more in its ability to adapt to varying regulatory systems, agricultural structures, and credit practices beyond Colombia. Over the longer term, the broader question will be whether digital agrifintech platforms can meaningfully reduce structural rural credit gaps, rather than simply streamline existing lending processes.
