Community banks and America’s farmers have long shared a special relationship with each other. But the dynamics surrounding them have changed. Consolidation and new legislation have created gaps that put many community banks in the precarious position of telling some of their longest-standing clients “no” at times when they needed operating capital the most. But an innovative solution from ARM is allowing community banks to preserve those relationships by providing fast working capital to farmers. This article explains how ARM’s unique approach to lending based solely on crop value has made ARM a critical partner for many community banks.

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