IncluirTec Information

We solve the last-mile gap between formal finance and smallholder farmers. We receive, process and enrich financial and field data with farm economics, household cash flows, crop cycles and climate context, turning fragmented inputs into actionable risk insights and traceable decisions based on real productive capacity. IncluirTec is the Intelligence, Decisioning & Infrastructure Layer for Rural Finance in Latin America. We enable banks, credit unions, microfinance institutions, NGOs and non-bank lenders to expand formal credit to smallholder farmers and rural microentrepreneurs through better data, specialized decisioning and scalable digital infrastructure. Rural finance is not standard lending. Productive cycles are seasonal, customer data is fragmented, field operations are complex and traditional models often fail to reflect actual productive and repayment capacity. Our B2B SaaS platform provides three integrated capabilities: • Intelligence: Captures and structures productive, agricultural, socioeconomic, financial and field data to create a contextual understanding of rural customers. • Decisioning: Combines alternative risk assessment, specialized agricultural methodologies, credit policies and structured workflows to enable consistent, informed and traceable decisions. • Infrastructure: Digitalizes credit origination, field data collection, evidence management, workflow orchestration and integrations with core banking and third-party services. By combining these layers, IncluirTec helps financial institutions reach underserved markets, reduce operational friction, improve risk assessment and scale healthier rural credit portfolios.