More options for your customers
with less risk to you.

Lender Program

Ag Resource Management (ARM) provides a groundbreaking solution to lenders by offering fast access to essential operating capital for your farmer customers. Our high-touch crop production lending bridges the crop loan gap without requiring liquidity or equity. ARM operating loans are secured against the growing crop, crop insurance, and government payments, eliminating the need for traditional collateral. This alternative financing model is made possible through our effective blend of proprietary technology, data validation in valuing a growing crop, and continuous monitoring as the collateral matures. Our streamlined process enables growers to capitalize on early payment discounts for inputs and optimized planting schedules with timely funding.

ARM’s Benefits to Lenders

  • Strong Customer Relationships: You maintain the deposit, interim and long-term financing relationships while divesting the short-term operating loans. ARM works alongside you in keeping your customers farming.
  • Credit Concentration: Explore or maintain relationships with large producers that may exceed your legal lending limit.
  • Portfolio Diversification & Growth: Free up time and capital to be reinvested in other industries or growth opportunities.
  • Risk Management: Retain and support farmer clients who no longer fit your risk profile. ARM has solutions for all farmers, including beginning farmers, those who don’t have perfect credit and well-established operations looking to grow beyond your risk appetite.

Expanding Your Services

Crop financing has become complex and requires close attention to details on crop insurance and budget management. Many lenders don’t have the time or resources to manage short term crop lending and monitoring of a growing crop, but partnering with ARM opens up this valuable service.

Maintaining Good Customers

ARM becomes a capital partner for your customers, working alongside you in keeping their land, equipment, and other loans current and in compliance. ARM builds a budget with the farmer that includes rent payments, mortgage payments, and equipment installment payments.

Mitigating Your Risks

Our high-touch crop production lending model reduces your credit exposure by reducing or eliminating unpredictable commodity risks from your profile. ARM manages the farmers’s budget, monitors the growing crop, makes in-season adjustment when necessary, and keeps the farmer from overspending on unnecessary expenses.

"With ARM you build a solid business plan so you can make it through some of those storms."
Learn more by speaking with your ARM Area Manager. Locations