Agrícola San Vicente. Early cherry in O'Higgins.
23.9 hectares of early cherry already planted and growing, in one of Chile's best fruit-growing regions. Your dollar return comes from harvest exported to Asia and from the field's capital gain.
The field's essentials, at a glance.
The data an agro specialist looks for first — area, varieties, irrigation, and above all, water rights. Verifiable in the data room.
Your return comes from two sources.
You're not financing a paper: you're entering an orchard that's already planted, growing in the ground and appreciating season after season.
Annual cashflow from exported harvest.
Once in production, the fruit is sold to exporters and the proceeds are distributed in USD to fraction holders.
Agricultural land value rises over time.
At the end of the cycle, the productive field is projected for sale; capital gains are distributed proportionally. Projection — may not occur.
The field is already planted and growing
Planted with drip irrigation since Sept. 2024. You're not financing a paper — you're entering an orchard in the ground.
Early season = premium price
Harvest in mid-November, a low-supply window where Chinese prices can triple December rates. Gets ahead of Chinese New Year.
Partial harvests reinvested
Revenue from 2027 and 2028 is reinvested to offset costs; full return from 2029.
What does your investment become?
Move the amount and see your position in the field: area, trees, and projected return. All in USD. Figures come from the project model — not a guarantee.
Projected year-by-year cashflow
USDWhen you start receiving returns.
From planting to full production. Transparent model assumptions are part of how we build trust.
Planting & installation
The orchard is planted with drip irrigation. The investment is made once the field is already established.
Vegetative growth · no harvest
The trees grow and mature. The asset's value increases as the field matures.
First harvests · revenue reinvested
~10% of production in 2026, ~50% in 2027. Revenues are reinvested to amortize costs.
Full production · annual distributions
Returns distributed annually in USDC.
Estimated field sale
Each share receives its portion of the sale price.
Who buys the fruit and at what price.
Main destination: Asia +90%. Early harvest window (Oct–Nov), low global competition, and peak demand around Chinese New Year.
Early harvest window (Oct–Nov), low global competition, and peak demand around Chinese New Year.
Source: Odepa · Chile Cherry Committee.
Why this zone.
The physical asset has a concrete competitive advantage: climate, soil, water, and logistics of Chile.
Soil
Edaphological analysisDeep, well-drained soils of the San Vicente de Tagua Tagua valley. Full analysis available in the data room — pH, organic matter, soil profile and management recommendations.
Water & water rights
EstablishedSurface water right plus storage pond; 100% drip irrigation. Detailed certificates available from the Property Registry (data room).
Climate · O'Higgins
Temperate MediterraneanAdequate chill hours for early varieties and early springs that advance the harvest. Low risk of late frosts.
Logistics & zone
Region VIClose to shipping ports in the consolidated agricultural region of O'Higgins, with services and available labor.
The technical details, for those who know what to look for.
Planting, water, and production of the field. Hover over marked terms to see their definition.
You're not financing a paper, you're financing real land.
Photos and videos of the field, machinery, irrigation, and planting. Reserved slots for the real project material.
Soil preparation · 2024
Two-year-old cherry trees · 2025
Water collection pond
Agricultural machineryThe team behind the field.
Trust also lies in who operates. Meet the agricultural team responsible for the project.
Raúl Orellana
Over 10 years managing export cherry orchards in Chile's VI and VII regions. Specialist in early cherries. Owner of Agrocrop.
What could go wrong, and how we cover it.
Every agricultural investment carries risk. We list them by category, with their mitigation alongside. Transparency is required, and it's also the right thing to do.
Production
Risk MediumLate frosts, drought, pests and weather events.
Validated zone, professional management, optional agricultural insurance.
Market
Risk MediumInternational price decline, dependence on China.
Market diversification underway; focus on premium calibers.
Liquidity
Risk HighIlliquid investment until first harvests.
Finka Market secondary marketplace.
The contract, no fine print.
Before you pay, understand exactly what you're acquiring — without reading 10 pages. Each point summarizes a real clause of the investment agreement.
You lend USDC to the project SpA (the legal entity that owns the farmland). In return you receive digital tokens on the Polygon blockchain, each representing your share of the loan.
Your tokens are issued under the ERC-3643 standard and transferred to your wallet. They are not shares or equity — they represent a proportional credit right in the loan contract. The tokens are your legal proof of participation.
Returns are paid annually in USDC, calculated each April based on the project's agricultural results. First distribution expected in 2029. Your original capital is returned at the end of the loan term (up to 20 years) or when the field is sold.
The interest rate is variable and calculated from actual harvest revenues. Payments go directly to your USDC wallet registered on the platform. Capital is returned in a single payment at maturity or on early repayment.
You can transfer your tokens (and the underlying credit) to another investor through Finka Market, the platform's secondary marketplace. The transfer is only valid if done through the platform and if the buyer has completed KYC.
Any transfer outside the platform is legally unenforceable against the borrower. Finka Market does not guarantee a buyer or a price. Liquidity is available but not guaranteed.
The field sale in 2033 is a projection, not a contractual obligation. If it doesn't happen, annual distributions continue and the loan runs for up to 20 years. The borrower may also trigger an early repayment with 5 days' notice.
Early repayment by the borrower requires payment of all accrued interest plus capital. If the interest rate happens to be 0%, a minimum penalty fee based on the CMF's published benchmark rate applies. In the case of a field sale, a special formula is used to calculate the final interest payment.
If an unforeseen event (natural disaster, unforeseeable crop failure, commercial unviability certified by an independent expert) makes the project unviable, your loan converts automatically into equity in the project SpA.
This is called a Capitalization Event. Your credit converts into shares of the SpA at a fair valuation. The SpA is then obligated to dissolve within 6 months, sell its assets, and distribute the proceeds among shareholders proportionally. A special power of attorney in the contract authorizes a representative to execute this on your behalf.
The contract is governed by Chilean law and signed with a legally valid electronic signature under Law 19.799. Any dispute is resolved by Chilean courts in Santiago.
Farm Fractions (Servicios Financieros Finka SpA) acts as the tokenization platform under Ley N° 21.521 (Ley Fintec), in the process of registration with the CMF. The borrower is the project SpA, a separate legal entity. Your costs and taxes as an investor are your own responsibility.
The last doubts, resolved.
If you already want to invest but something's holding you back, it's probably here.
Available to residents of Chile, Argentina, Brazil, Mexico, Peru, Colombia and most LATAM countries. Not available for US residents.
No. If you're from LATAM you can invest in your local currency from your bank. The crypto layer is completely transparent to you.
The field belongs to an independent SpA. Your position is recorded on the Polygon blockchain, outside Farm Fractions' control. Your legal rights under the loan contract subsist regardless of the platform.
This is a risk investment. Total loss scenarios are unlikely (the asset is real land), but production, price and market risks exist. In a worst-case scenario, your loan converts to equity in the SpA and proceeds are distributed after asset liquidation.
Tokens are transferable. Your heirs can hold them until the final distribution or sell them on the secondary market through Finka Market.
Most verifications are approved within minutes. Complex cases can take up to 24 hours. Your simulation is saved throughout the process.
The rate shown in the simulator is updated every 5 minutes and is indicative only. The final amount in local currency is confirmed at the moment of payment, not when simulating.
From interested to investor in four steps.
The flow is in USD. You pay in your local currency.
Review the project
Access the data room and get your questions answered.
Create your account
Register in minutes, verify your identity in seconds.
Buy your fractions
Choose the amount in USD and pay for your position.
Track your portfolio
Distributions and value, all from your dashboard.
Talk to a real person.
You don't have to decide today. Tell us what's holding you back and we'll reply — no commitment, no hard sell.
Be part of Agrícola San Vicente,
from US$ 50.
A position in a real agricultural asset, in dollars, with secondary market liquidity. We walk you through every step to your first return.