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Public and development banks

Collateral appraisal and document preparation with a trail for external oversight.

Weeks to appraise the collateral, hundreds of accredited appraisers with different standards, file preparation without a structured trail.

Use cases

  • Collateral appraisal. Reference value on the spot and nationwide on-site inspection, with a single appraisal standard and the method stated.
  • Document preparation. The borrower’s and the asset’s file checked against the programme’s call or regulation, with evidence per field.
  • Certificates and tax standing. Tax, labour and registration compliance fetched at the source and checked before disbursement.
  • Accountability. Every decision with a trail: what came in, the rule applied, who decided and when, ready for external oversight.

How it works

Reference value on the spot, nationwide inspection with one contract and one appraisal standard, and the file with evidence per field, ready for external oversight.

How it is contracted

By public tender or waiver of tender, with qualification documentation available.

Sample audit in this segment

CPR: every field with its source, confidence and the institution's rule.

Sample document, no real data. Explore the full sample audit (PT) →

CPR · 5 páginasreconhecida como CPR · documento de exemplo

Cédula de Produto Rural — emitente fictício

Qualificação do emitente

Produtor Rural Exemplo, CPF ***.***.***-00, produtor rural, com domicílio no imóvel rural Fazenda Exemplo, município fictício.

Objeto

Promessa de entrega de 1.200 sacas de 60 kg de soja em grãos, safra 2026/2027, padrão de mercado, no armazém indicado pelo credor.

Garantias

Em garantia, o emitente constitui hipoteca de primeiro grau sobre o imóvel rural da matrícula nº 0.000 do Registro de Imóveis fictício, área de 310 hectares.

Sample document, no real data

  1. extracted fieldconfidence98%

    Emitente: Produtor Rural Exemplo

    ↳ source: p. 1 · qualificação

    conformeinstitution's rule: emitente coincide com o titular da matrícula rural

  2. extracted fieldconfidence97%

    Produto e safra: Soja · 1.200 sacas · 2026/27

    ↳ source: p. 2 · objeto

    conformeinstitution's rule: produto e safra informados

  3. extracted fieldconfidence95%

    Garantia vinculada: Matrícula rural nº 0.000

    ↳ source: p. 4 · garantias

    conformeinstitution's rule: matrícula vinculada localizada

  • State-owned public bank

    Fully digital mortgage lending on the GarantiaBR architecture.

Shall we talk about your operation?

Talk to the public-sector specialist (PT)