Safra Plan: how it works and why it’s essential for agribusiness

Every year, the Safra Plan consolidates its position as one of the main pillars of Brazilian agribusiness. It offers accessible credit and favorable conditions that benefit producers all over the country – from the North to the South – from grain planting in Mato Grosso to livestock farming in Rio Grande do Sul. 

In the 2024/2025 edition, the program reached its highest volume of resources: R$508.59 billion, according to data from the Ministry of Agriculture and Livestock (Mapa). In all, there was R$400.59 billion in traditional financing (10% more than in 2023/24) and R$108 billion in complementary resources via Agribusiness Credit Bills (LCA). 

In this article, you will understand: 

• What the Safra Plan is and how it works; 
• Its importance for rural producers; 
• How it relates to risk management in the field; 
• Tips for making better use of available resources. 

Happy reading! 

Read also: 

• Agribusiness: understand its importance for the national industry and why it should manage risks 

What is the Safra Plan? 

The Safra Plan is the federal government’s main rural credit policy, renewed annually to finance agricultural production. Between July of one year and June of the next, the program offers: 

• Funding lines: to cover inputs such as seeds, fertilizers and pesticides; 
• Financing for investments: the purchase of machinery, irrigation systems and infrastructure, with terms of up to 10 years; 
• Marketing resources: storage and stockpiling of grain waiting for better market prices. 

The subsidized rates are one of the biggest attractions, with values significantly lower than those practiced in the conventional financial market. This difference can mean considerable savings, especially for small and medium-sized producers. 

Read also: 

• Understand the importance of irrigation in agriculture 4.0 

Why is the Safra Plan so important? 

For many producers, access to rural credit is the difference between a profitable harvest and a difficult year. The main benefits include: 

1. Access to financial resources on more favorable terms than those offered by commercial banks in retail or for other sectors of the economy; 
2. Stability for planning, with greater predictability in interest conditions, which can be fixed or structured according to the client’s profile; 
3. Encouraging modernization, with specific lines for technologies that increase productivity and reduce costs. 

Safra Plan and risk management 

Although the Safra Plan is not an instrument to protect against price volatility, it contributes to financial risk management in three main ways: 

1. Reduced dependence on market credit, which can have higher and more variable interest rates; 
2. Financing technologies that reduce climate vulnerabilities, such as irrigation systems and satellite monitoring; 
3. Possibility of regulatory stock, allowing producers to have alternatives for better sales conditions. 

For example, automatic dryers financed by the Safra Plan are recognized for reducing post-harvest losses, especially in sensitive crops like coffee. However, the Safra Plan does not eliminate risks: in fact, it offers tools that help producers better prepare for unforeseen events. 

Read also: 

• The influence of climatic phenomena on the commodities market 

How can we make better use of resources in 2025/26? 

To maximize the benefits of the Safra Plan, producers can adopt some practices: 

• Plan ahead: the best credit lines are in high demand and can run out; 
• Compare programs: each purpose (funding, investment, marketing) has specific conditions; 
• Monitor deadlines: the Safra Plan is valid every year and resources do not accumulate. 

In addition, it is essential to monitor market trends in order to align production with future demands. 

Financial planning and protection 

The Safra Plan represents an opportunity for rural producers in a scenario of climate and economic uncertainty. By combining accessible credit with good management practices, it is possible to increase financial and operational resilience. 

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• Hedgepoint Market Calls: strategic information for intelligent decisions 

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