Our Process:
Simple, Fast, and Farmer-Focused
With crop-based lending and the power of the SYNTHESIS® Platform, ARM turns complex credit evaluations into a straightforward, four-step experience built around your farm's real-world cash flow.
From Application to Harvest, ARM Makes Ag Financing Clear and Confident
At Ag Resource Management (ARM), we've simplified the path to agricultural financing. Our proven process puts farmers first by combining expert support, transparent communication, and innovative technology to deliver the funding you need, when you need it.
Why Choose Us
Why Our Process Works for Farmers
Traditional lenders often make agricultural loans complicated — requiring land equity, rigid terms, and long waiting periods. ARM’s process is designed for speed, flexibility, and peace of mind.
No land collateral required
We lend based on your crop, crop insurance, and government payments and not your acreage.
Quick turnaround
Most approvals happen in days, not weeks.
Full transparency
You’ll always know where your loan stands and what’s next.
Local expertise
Our loan officers and ag specialists live and work in farm communities just like yours.
How It Works
How ARM Operating Loans Work
Whether you’re seeking operating capital, real estate financing, or equipment leasing, ARM’s process gives you a faster, smarter way to fund your operation.
Start Your Application
Getting started is simple. You can apply online through the ARM Client Portal or connect directly with your nearest ARM branch. Our team will help you gather the basic details we need, including crop mix, acreage, and insurance coverage so we can build a personalized budget for your operation.
Build Your Crop Budget
Every successful season starts with a solid plan. ARM works with you to build a detailed crop budget, outlining input costs, rent, insurance, and projected yields.
This step ensures your financing aligns with your true operating needs and gives you full visibility into where your money goes. Our local experts and proprietary tools help balance your financial picture before a single seed hits the ground.
Fast Approval and Funding
Once your plan is in place, ARM moves quickly to deliver a decision. Using our SYNTHESIS® Platform, we analyze your budget, crop value, and insurance data to approve your loan faster than traditional banks, often in a matter of days.
Because we lend based on production potential, not property, your ag loan approval is designed around your operation, not your assets. That means less red tape, fewer delays, and more confidence as you enter the season.
Access Funds and Manage Your Operation
Once approved, you'll have immediate access to your working capital — ready to use for seed, fertilizer, inputs, or land rent.
Through the ARM Client Portal, you can view loan details, monitor budgets, deposit checks, and communicate directly with your loan officer. This digital access is available 24/7 and connects directly to the same SYNTHESIS® system that powers our underwriting and servicing operations.
ARM remains an active partner through the growing season by monitoring your loan, making in-season adjustments, and ensuring you stay positioned for success.
Our System
ARM SYNTHESIS® Platform: Powering the Process
At the heart of ARM’s process is our proprietary SYNTHESIS® Platform — an integrated digital ecosystem that transforms the way farmers access and manage credit.
This advanced underwriting and analytics system allows ARM to lend more money to more farmers, faster than ever before. It unifies every stage of the loan lifecycle from application and approval to disbursement and repayment with speed, accuracy, and full transparency.
Through SYNTHESIS®, ARM offers a modern financing experience comparable to today’s largest financial institutions but designed exclusively for America’s farmers.
Partner with ARM and experience agricultural financing reimagined for your success.
Success Stories
Why Farmers Trust ARM
ARM's simple process and crop-based model have helped thousands of farmers across the U.S. secure reliable funding and protect their future.
Caleb H
Missouri Grower
"ARM's process was straightforward and fast. They built a loan around our crop plan - not just a credit score."
Sarah D
Kansas Producer
"We were approved within a week and had funds ready before planting. ARM's technology made it easy to stay informed all season long."
Ready to Experience the ARM Difference?
Every season brings new challenges but financing shouldn't be one of them. ARM's process combines human expertise with advanced technology to deliver a faster, simpler, and more transparent lending experience for farmers.
FAQs
FAQs about our process
Crop-based lending uses your crop and insurance value as collateral instead of land or equipment, allowing more flexibility.
Learn more