Planalto Capital

The firm operates two origination channels outside traditional market-scanning. ZapCash, its WhatsApp-integrated receivables platform, embeds the firm directly into the cash-flow cycles of small and medium Brazilian businesses, creating a proprietary view of short-term credit demand. Separately, the Planalto Capital Terras unit sources rural property transactions — sale-and-leasebacks, capital restructurings, and succession-driven deals — through direct relationships with landowners and agricultural operators.

Planalto Capital Terras is an autonomous agribusiness advisory vertical within Planalto Capital. The unit structures financial solutions for rural properties, including sale-and-leaseback arrangements, capital reorganizations, succession-planning instruments, and tailored structured products. It sits alongside the firm's funds-management business and the ZapCash fintech, sharing the Planalto Capital brand and São Paulo headquarters while operating with dedicated sector specialization.

ZapCash is a business-to-business fintech that advances receivables to service-provider employees through a WhatsApp interface. Planalto Capital built it as a captive technology asset — the platform originates short-term credit exposure and provides a direct distribution channel into the working-capital needs of Brazilian companies. For an asset manager, owning ZapCash means internal deal flow, origination data, and a client-acquisition funnel that does not depend on intermediaries.

Planalto Capital's direct investment activity concentrates on structured credit, agricultural real assets, and specialty-finance receivables. Its structured-funds arm handles credit-origination and structured-product mandates, while the Terras unit addresses rural land transactions and agribusiness finance. ZapCash adds short-term trade-receivables exposure. The firm does not list public equities, venture capital, or traditional buyout strategies among its activities.