Making farmland
visible to capital.
- rizal / ricial
- adjective · agricultureOf land: able to sprout again after grain has been cut green.
Make the physical world as legible to capital as the digital one.
The biggest bottleneck in farming is not on-farm technology. It is financing.
Manual underwriting caps access.
Lenders still pay people to visit fields, assemble files, and reconstruct risk by hand. That makes agricultural loans slow and expensive to originate.
The financing gap becomes a yield gap.
Without working capital, farmers buy less fertilizer, delay better seed, go uninsured, and remain more exposed to weather shocks.
AI changes the unit economics.
Rizal combines satellite, field, and financial data to automate routine underwriting and monitoring work while the institution keeps every decision.
When the cost of understanding a farm falls, more farms become financeable.
Financial systems.
Agricultural reality.
Built by operators across credit, AI, and agriculture.
Daniel Tebes
Luis Lascurain
Namu Hichilo
Founder experience
affirm
Stanford
Google
CORTEVAagriscience
MORGAN STANLEY
Ajaib
Investors
DENTCapital
MANAVentures
Built to give credit teams more capacity.
Our team built consumer credit and large-scale AI decision systems at Affirm and Google, then worked alongside agricultural lenders and field teams in Mexico.
Rizal started in Mexico and San Francisco with a belief that farmers deserve better financial tools and products.
We started with fields. We are building the system of record for the physical economy’s credit.