The operating system for financing resilience at speed and scale.

Resilience Assets are financial instruments that turn a company's supply-chain resilience spending into funded work on named farms, with verified, claimable results. TerrAvant is software that links a company's supply-chain resilience spending to the farmers and land stewards who carry out the work. It assesses risk hectare by hectare, issues a financial instrument called a Resilience Asset, and tracks independently verified results so the buyer can see what its money achieved.

They answer different questions. A carbon credit counts a tonne of greenhouse gas, a biodiversity credit represents a unit of nature gain, and both are usually traded on an open market. A Resilience Asset is built for one buyer and one supply chain, tied to a named landscape and to risks such as drought, soil loss or flooding. It is priced on the value it delivers to the buyer and comes with defined claim entitlements. Companies can keep using credits for emissions and nature goals, but for companies looking beyond credits, Resilience Assets fund resilience directly in their own supply chain.

Direct funding is a good start, but it usually stops at the supplier's gate. A Resilience Asset carries money to individual farms with per-hectare targeting, has results checked by independent partners rather than the company marking its own work, and turns the spend into evidence-backed claims that stand up with auditors and customers.

Farmers need funds at the start of a season, while buyers pay once results are confirmed. TerrAvant bridges that gap with a flexible model of upfront payment. Depending on the case, the opening capital can come from the corporate buyer, a Technical Assistance fund or philanthropic capital. Buyer payments then follow verified outcomes, and the aim is to direct 90% of the capital to land stewards.

The data is collected and measured by farmers and land stewards on the ground, and they own it. That is how they earn their share of the funding, with at least 90% of capital aimed at them. Each hectare is scored across soil, vegetation, biodiversity, water and community outcomes, and satellite data supports the field results. The approach follows a proven methodology, so buyers can rely on the results.

Treasury and risk teams use it to reduce the cost of supply disruption. Procurement uses it to secure sourcing. Sustainability and legal teams use the reporting packs, which are aligned to frameworks such as TNFD, CSRD and SBTN. Because one asset serves several functions, it is easier to justify than a single-purpose purchase.

Claims are tiered by the strength of the evidence, from factual statements about a landscape, through contribution claims for reporting, to product-level claims that need traceability and approved wording. TerrAvant does not claim farmer-exact traceability where a supply chain cannot support it, so a company sourcing through a known supplier base can make a more direct claim than one co-funding a shared sourcing region.

The first regional pathway is the Panra Fund, a US$50m private debt vehicle from Adaptation Asia that embeds Resilience Assets in financing for smallholder-focused agribusinesses, starting with a pilot in the Philippines. The methodology behind TerrAvant has already been applied to millions of hectares across five continents. Companies, agribusinesses and funders interested in a pilot can reach us through the contact form below.