Choose ARM for Smarter Agricultural Lending
Empower Your Farmers with ARM’s Innovative Crop Financing Solutions
Ag Resource Management (ARM) partners with banks, credit unions, and financial institutions nationwide to deliver agricultural lending programs that protect portfolios, reduce risk, and help farmers succeed. Our proven model allows lenders to maintain customer relationships while ARM provides crop-secured operating capital that mitigates exposure to commodity volatility.
With ARM, you can strengthen your client relationships, diversify your loan portfolio, and grow your agricultural lending program—without adding risk.
Why Choose Us
Why Lend with ARM
ARM was built to complement your existing agricultural lending program - not compete with it.
By partnering with ARM, lenders can expand their ag portfolios while maintaining
core customer relationships and reducing credit risk.
Strengthen Customer Relationships
Keep your customers farming, loyal, and financially stable. ARM provides short-term operating capital, while you retain deposits, long-term real estate financing, and equipment relationships.
Portfolio Diversification
By shifting short-term crop loans to ARM, lenders free up balance-sheet capacity for other industries, improving credit concentration and financial flexibility.
Reduce Credit Risk
Our crop-based collateral model eliminates dependency on real estate and minimizes exposure to unpredictable commodity markets. ARM assumes risk on seasonal operating loans so you can maintain regulatory compliance and portfolio health.
Support Diverse Farmers
ARM enables you to serve beginning farmers, clients with limited collateral, and large producers that exceed your lending limits. Every client benefits from ARM’s fast approvals and transparent communication.
How It Works
How ARM’s Lender Program Works
ARM’s Lender Partnership Program is designed to integrate seamlessly into your existing operations—helping you offer specialized ag financing without additional workload.
Identify Client Needs
ARM collaborates with lenders to identify farmer clients who need seasonal or input-based financing.
Build a Crop Budget
Together with the farmer, ARM develops a detailed operational budget ensuring rent, inputs, and existing loan obligations are covered.
Provide Operating Capital
ARM delivers fast access to working capital, secured by the crop, crop insurance, and government payments—not real estate.
Monitor & Manage Throughout the Season
ARM continuously monitors the crop, managing risk, budgets, and performance through harvest and repayment.
Benefits
Ensure Growth with ARM Lend
Partnering with ARM means expanding your agricultural lending capabilities while keeping risk under control.
Here’s how we help financial institutions grow stronger.
Strengthen Customer Relationships & Retention
Maintain deposit accounts, long-term mortgages, and equipment financing while ARM manages short-term crop loans. Your customers remain loyal to your institution—and continue growing with your support.
Optimize Credit Concentration & Portfolio Diversification
Reduce exposure to single-industry concentration by allowing ARM to handle higher-risk operating lines. This frees your balance sheet to reinvest in other industries and growth sectors.
Enhanced Risk Management & Mitigation
ARM assumes the volatility of seasonal ag lending by using crop-secured collateral and ongoing budget management. We prevent overspending, monitor real-time progress, and ensure repayment reliability.
Expand Your Agricultural Service Offerings
Working with ARM adds a new layer of service—without requiring internal staffing or ag-specific expertise. You can now offer complete agribusiness lending solutions while ARM handles the operational complexity.
Earning farmer trust, nationwide.
When you partner with ARM, you help your farmers grow while reducing your institution’s exposure to seasonal and market risks. Together, we make agricultural lending smarter and more secure.
Success Stories
Testimonials from Lender Partners
ARM is proud to help farmers nationwide acquire land, expand production, and build lasting value through smart, personalized lending.
Regional Bank Executive
Iowa
“Partnering with ARM allowed us to continue supporting farm clients we would have otherwise declined. It’s strengthened relationships and eliminated the risk of short-term volatility.”
Regional Bank Executive
Iowa
“Partnering with ARM allowed us to continue supporting farm clients we would have otherwise declined. It’s strengthened relationships and eliminated the risk of short-term volatility.”
FAQs
FAQs for Lenders
Crop-based lending uses your crop and insurance value as collateral instead of land or equipment, allowing more flexibility.
Learn more
Expand your agricultural lending capabilities and protect your portfolio.
When you partner with ARM, you help your farmers grow while reducing your institution’s exposure to seasonal and market risks. Together, we make agricultural lending smarter and more secure.