LabAgroMinas is a program developed in partnership between BDMG and Embrapa Cerrados to promote regenerative agriculture practices in Minas Gerais. The program aims to foster high-quality and competitive agriculture associated with the production of environmental assets and shared value.

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BDMG Solo Mais

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BDMG Bioinsumos

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Objective: LabAgroMinas is a program developed in partnership between BDMG and Embrapa Cerrados to promote regenerative agriculture practices in Minas Gerais. The program aims to foster high-quality and competitive agriculture associated with the production of environmental assets and shared value.

Target audience: rural producers from Minas Gerais – individuals or legal entities

Fundable Items
  • Soil remineralizers: products registered with MAPA
  • Soil conditioners: e.g., limestone, gypsum
  • Natural fertilizers: mineral-based
  • Organic fertilizers: biomass-based
  • Organomineral fertilizers: minerals or chemicals combined with biomass
  • Bio-inputs: nutrient cycling, pest and disease management
  • Cover crop seeds
  • Tree and shrub seeds or seedlings: includes extrafloral nectaries
  • Equipment and implements: ecological shredder, sprayers, drones, nozzles, inoculant boxes, etc.
  • Irrigation systems: for the area where the project will be implemented
  • Associated working capital: up to 20%

*For soil remineralizers, conditioners, and natural fertilizers, it is possible to finance the purchase, transportation, and application (if services are contracted).

Eligibility Criteria

Credit lines are available to producers who wish to start or are already undergoing the transition to regenerative agriculture.

Financing for equipment, implements, and irrigation systems may be granted in the following cases:

I – Independently, for projects that already use regenerative agriculture practices in at least 50% of the cultivated area. Eligible crops must use, in the minimum informed area, at least three of the following technologies:

  • Cover crops;
  • Use of bio-inputs for pest and disease management;
  • Use of soil remineralizers and/or natural fertilizers;
  • Ecological corridors in the Alternative Use Area.

II – In financing for projects that will begin the transition to regenerative agriculture – therefore, combined with the purchase of inputs from the Solo Mais Basket, for conversion of at least 50% of the cultivated area over the first 2 (two) years of the contract. In this case, the following technologies must be adopted:

  • Cover crops;
  • Bio-inputs for pest and disease management;
  • Soil remineralizers and/or natural fertilizers.

Conditions

Taxa

Fixed interest rate

Up to 10.81% p.a.

Prazo

Term

36 months

Garantia

Guarantee

According to the credit policy of BDMG's partner cooperative. Proof: invoices for the purchase of products, services, and equipment
Pagamento

First installment

12 months after
fund disbursement

Up to 100%
of the project to be financed

Credit Granting Process

Credit Granting Process:

  1. Fill out the credit application form
  2. Prepare the technical project and civil works plan
  3. Quote all items to be financed
  4. Send: credit application form, technical and civil works project, and quotes to the email: agrosustentavel@bdmg.mg.gov.br
  5. Meanwhile, the producer must contact one of the authorized credit cooperatives to operationalize the credit process
Required Documents

Required Documents:

  1. Solo Mais Credit Application Form (attached)
  2. Agricultural Project Form* (attached)
  3. Budget for fundable items

*For exclusive financing of equipment, implements and/or irrigation systems, eligibility proof must include a detailed description of technology use in the agricultural project form, signed by a qualified professional and the rural producer; and presentation of invoices for Solo Mais Basket input purchases
within the 12 months prior to financing.

Click here to request contact

Speak with BDMG with no obligation: (31) 3219-8000

Objective: Investment in the implementation of bio-input production units for own use, composting systems, and biodigester systems.

Target audience: rural producers (individuals or legal entities), legally established producer associations, production cooperatives, rural consortia or agrarian condominiums, located in Minas Gerais.

Fundable Items
  • Construction of infrastructure, improvements and facilities on the rural property, aimed at the Bio-input Production Unit, Composting System, or Biodigester System
  • Equipment, electrical, electronic, hydraulic and treatment installations. Technical assistance required up to the project maturity phase
  • Working capital associated with the project, limited to 20% of the financing amount

Conditions

MODALITY I

Taxa

Fixed interest rate

Up to 10.81% p.a.

Prazo

Term

36 months

Pagamento

First installment

12 months after fund disbursement

MODALITY II

Taxa

Fixed interest rate

Selic + 3.5% p.a.

Prazo

Term

60 months

Pagamento

First installment

24 months after fund disbursement

  • % of the project to be financed: Up to 100%
  • Guarantee: According to the credit policy of BDMG's partner cooperative
  • Proof: Invoices for the purchase of products, services, and equipment
Credit Granting Process

Credit Granting Process:

  1. Fill out the credit application form
  2. Prepare the technical project and civil works plan
  3. Quote all items to be financed
  4. Send: credit application form, technical and civil works project, and quotes to the email: agrosustentavel@bdmg.mg.gov.br
  5. Contact one of the authorized credit cooperatives to operationalize the credit process.
Required Documents

Required Documents:

  1. Bio-inputs Credit Application Form (attached)
  2. Technical Project/Civil Works Plan
  3. Budget for fundable items
Click here to request contact

Speak with BDMG with no obligation: (31) 3219-8000

Select your city to view partner cooperatives:

Cooperative Neighborhood Phone

Discover inspiring stories about
Regenerative Agriculture

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Currently, there is no single and formal consensus, either in Brazil or globally, on what exactly constitutes regenerative agriculture or which practices define it. However, there are important points of convergence among definitions adopted by different institutions, movements, and programs.

Despite the absence of a single framework, there are recurring practices widely recognized as regenerative, such as:

  • Use of cover crops
  • Adding organic matter to the soil
  • Integrating trees into production systems (agroforests or SAFs)
  • Crop rotation and intercropping
  • Reduced use of agrochemicals
  • Restoration of soil microbiota and structure
  • Efficient water management
  • Animal welfare in integrated systems like ILPF

Some initiatives, especially those linked to impact traceability, adopt results-based definitions — that is, practices are considered regenerative if they promote, for example:

  • Soil carbon sequestration
  • Increased biodiversity
  • Climate resilience
  • Recovery of degraded ecosystems

Below are definitions used by reference organizations on the topic:

Regenerative Tropical Agriculture is an agricultural strategy that uses natural processes to increase the efficiency of producing food, energy, and fibers, improving biological activity and nutrient cycling, enhancing soil health, restoring landscape and ecosystem functions, and increasing farm profitability. (Source: GAAS – Associated Group of Sustainable Agriculture)

Regenerative Agriculture is a production system based on practices that increase crop resilience and adaptation to climate change effects through promoting soil health, crop productivity, carbon stock, water conservation, and biodiversity, ensuring income, food security and sovereignty, and fostering prosperity and social well-being in rural areas. (Source: Global Coffee Platform)

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Cover Crops

Crops not intended primarily for harvest, but to protect and improve the soil. They are sown between seasons or intercropped with other crops to:

  • Reduce erosion
  • Improve soil structure and relieve compaction
  • Fix nitrogen (in legumes)
  • Increase organic matter
  • Create a favorable environment for soil micro and macroorganisms
Soil Remineralizers

Also known as rock powders, derived from silicate rocks, widely available. Besides acting as multifunctional and intelligent fertilizers or nutrient banks, they can provide macronutrients (P, K, Ca, Mg, S) and other micronutrients and beneficial elements. These are ground rocks with particle sizes suitable for soil application, simulating “young” soil conditions. They depend on microorganisms for nutrient availability. They improve physical, chemical, and biological soil quality, such as water retention, carbon sequestration, and aeration. It is important to use them according to agronomic recommendations and products registered with MAPA.

Natural Fertilizers

Include fertilizers made from ground natural rocks and/or plant/animal biomass, which may or may not contain chemical fertilizers, microorganisms, or natural molecules. Examples:

  • Organic compost
  • Natural phosphate
  • Organomineral fertilizer

They are less soluble, promote slow nutrient release, and enhance microbial life in the soil.

Bio-inputs

Products/processes developed from enzymes, extracts, microorganisms, macroorganisms, metabolites, and pheromones, aimed at biological control, nutrition, growth promotion, stress mitigation, and antibiotic replacement. (Source: Embrapa - https://www.embrapa.br/portfolio/insumos-biologicos)

Integrated, Agroforestry Systems, and Ecological Corridors

ILPF: Integrates crops, livestock, and forests in the same area, promoting:

  • Diversification of production
  • Efficient land use
  • Carbon sequestration and microclimate improvement

SAFs: Combine tree species, agricultural crops, and/or animal husbandry, mimicking natural ecosystems to promote sustainable production, conservation, and environmental restoration.

Ecological Corridors: Strips of vegetation connecting habitats, allowing gene flow, wildlife movement, and integration between production and conservation.

Bio-input Production Units

According to Law 15.070/2024, these are facilities intended for producing bio-inputs for own use (non-commercial), with structure and equipment ensuring quality control.

Composting Systems

Controlled aerobic decomposition process of organic matter, generating nutrient-rich compost. Benefits:

  • Waste reduction
  • Recovery of degraded soils
  • Improved soil fertility and structure
Biodigester Systems

Process organic waste and animal manure in an anaerobic environment to produce:

  • Biogas (renewable energy)
  • Liquid biofertilizer

They contribute to waste management, energy self-sufficiency, and nutrient cycling on the farm.

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Regenerative agriculture provides broad benefits that encompass the soil, environment, producers, and society as a whole.

Benefits for the Soil
  • Increased organic matter, improving natural fertility.
  • Soil structure regeneration, enhancing water infiltration and reducing erosion.
  • Stimulation of microbial life, strengthening the underground ecosystem.
Benefits for the Water Cycle
  • Improved water retention in the soil, increasing drought resilience.
  • Reduced surface runoff and contamination of water bodies by agrochemicals.
Benefits for the Climate
  • Carbon sequestration in soil and biomass, helping to combat climate change.
  • Reduction of greenhouse gas emissions, especially through practices that prevent soil degradation.
Benefits for Biodiversity
  • Creation of natural habitats (e.g., ecological corridors).
  • Increased genetic diversity of plants and animals on farms.
Economic Benefits for the Producer
  • Reduced costs for external inputs (fertilizers and agrochemicals).
  • Greater resilience to climate shocks and market fluctuations.
  • New market opportunities, such as sustainable certifications and payments for environmental services.
Social Benefits
  • Improved quality of life in rural areas, with more sustainable and safer practices.
  • Contribution to long-term food security.
TECHNICAL ARTICLES
Geochemical, mineralogical, and biological principles of soil remineralizer management (PT-BR)
Effect of remineralizer application on soil (PT-BR)
Biological activation in soil and the use of remineralizers (PT-BR)
Tropical Sustainable Agriculture: success stories (PT-BR)
Resilience for the Future

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Phone number for clients

0800 283 8337

For you who already are our client and have contracted a credit line.

Address:

Rua da Bahia, 1600

Lourdes - Belo Horizonte / MG

Zip Code 30160-907

Mapa mostrando a localização do BDMG na Rua da Bahia, 1600, Centro, Belo Horizonte, MG.

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