FNO, FNE and FCO: rural credit from the Constitutional Funds
Working capital, investment and marketing for rural producers in the North, Northeast and Central-West, with 2026/2027 crop-year rates. See the verified eligibility and prepare with Tecbank.
What it is
Resources from the Constitutional Financing Funds of the North (FNO), Northeast (FNE) and Central-West (FCO), for rural credit within each fund's coverage area. Rates are set by the National Monetary Council (CMN) for each crop year.
What it finances
- Production working capital: expenses of the production cycle;
- Investment: machinery, improvements and projects, including associated working capital;
- Marketing: support for selling the production;
- Sustainability projects: low-carbon agriculture, technological innovation, renewable energy for own use and warehouse expansion or modernization, with more favorable conditions.
Who can apply
- Rural producers and production cooperatives operating within the funds' coverage areas;
- Rates vary by annual gross revenue bracket: up to R$ 4.8 million; R$ 4.8-16 million; R$ 16-90 million; above R$ 90 million;
- Pronaf operations using the funds follow the program's own rules.
Verified conditions
2026/2027 crop year - contracts from 7/15/2026 to 6/30/2027, per CMN Resolution No. 5,329 of 7/14/2026:
- Investment (fixed rate with on-time payment bonus): FNE and FCO from 7.65% to 12.45% per year; FNO from 7.80% to 10.20% per year;
- Sustainability and warehousing projects (fixed rate with bonus): FNE 7.52%, FNO 7.64% and FCO 8.14% per year; floating-rate modalities can be lower, plus monetary adjustment (FAM);
- Working capital and marketing (fixed rate with bonus): FNE from 7.98% to 10.14% per year; FCO from 9.38% to 12.80% per year; FNO from 8.15% to 10.50% per year;
- On-time payment bonus: lowers the rate for those who pay installments on time.
How to contract
Operations are made through the accredited banks that operate the funds in each region. Tecbank guides you: eligibility in the right bracket, documents and follow-up until the answer.
Talk to Tecbank about the Constitutional Funds for your production.
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