DiMuto signs agreement with Giumarra

AI-native agri-food technology company, DiMuto has announced it has signed a Marketeer Distributor Participation Agreement with The Giumarra Companies, one of the oldest and most established fresh produce organisations in the Americas.  

Under the new agreement, growers and suppliers across the Giumarra network will have access to DiMuto’s two services: Verifiable Workflow, in which DiMuto’s AI agents digitise and verify each trade, and Financing, which turns that verified trade record into working capital.  

Traditional financing solutions are not always designed to accommodate perishable products, fragmented transaction documentation, and industry pricing structures and this dynamic can create significant working capital pressures, particularly for smaller and mid-sized growers.  

According to DiMuto the new agreement will help address these challenges by pairing verified supply chain data with financing. Suppliers can transact on the DiMuto platform, where trade documents are digitised and every carton can carry AI-verified quality, origin, and traceability data.   

 “Growers have never had a financing problem. They have had a proof problem,” said Gary Loh, founder and CEO of DiMuto. “When a shipment is documented, inspected, and verified end to end, the risk stops being a guess. Our AI agents already do that work, from the first document through to underwriting. This agreement puts that verified record at the centre of one of the most respected networks in the produce industry, and it means a grower’s own track record, not their balance sheet, becomes the basis on which they get paid faster. That is what we mean by Verifiable Commerce.”  

DiMuto said that under the new agreement suppliers already trading within Giumarra’s network will be pre-qualified through their existing commercial relationship, rather than starting from a blank credit application.  

The programme is built to work across fixed-price, minimum-guarantee, and consignment arrangements, not only the fixed-price invoices that conventional factoring can accommodate.  

It also allows for faster access to cash after shipment as AI agents read and verify trade documents as they arrive, replacing manual invoice checks and reducing the wait between shipping and being paid.  

“Our business has been built over more than a century on relationships with the people who grow high-quality produce,” said Tim Riley, president and CEO of The Giumarra Companies. “We are always looking for ways to support the success of our suppliers. Working with DiMuto allows us to offer our grower network something genuinely useful: greater visibility into their own trade and faster access to funds, without changing how they do business with us.” 

The same data that supports financing also supports the traceability records the industry increasingly requires, including under the FDA’s Food Traceability Rule.  

The documentation also supports future financing where lenders require audited financial statements, collateral, or a credit history. 

“The documents, inspections, and carton-level records a supplier already produces when it ships are what a financier reviews, and that record carries forward from one season to the next instead of starting over with each application,” the company said.  

According to DiMuto, a conventional factor underwrites the invoice and the buyer’s payment history. With perishable goods, that misses where most of the risk sits: losses in fresh produce come less often from a buyer failing to pay than from rejection, shrink, and quality disputes after shipment.  

“Because the trade is carried out on the DiMuto platform and processed by its AI agents, each receivable comes with evidence of how the trade actually performed, including trade documents, pre- and post-shipment inspections, Incoterms, shipping data, and carton-level scan records,” the company said.  

DiMuto scores that evidence through its Trade Health Score at both the trade and the counterparty level. Facilities are structured and recourse-managed rather than a straight purchase of invoices, and each trade remains visible from shipment through to settlement instead of being pieced together after a problem arises.  

Suppliers are being asked to meet rising expectations on food safety, traceability, and sustainability reporting at the same time as they absorb longer payment cycles and thinner margins. According to DiMuto, meeting those expectations with paper is no longer realistic.  

“By making verified trade data the foundation for both compliance and credit, the agreement points to a model the wider industry can adopt: digitise once, and use the same record to prove quality to a buyer, prove provenance to a regulator, and prove creditworthiness to a financier,” the company said. “For the growers at the start of the chain, that is the difference between being an unbankable counterparty and a documented one.” 

The programme will roll out in phases, beginning with an initial group of suppliers in Mexico and California, and expanding across Giumarra’s network and additional origin countries as onboarding progresses.