Innovative credit solutions for agriculture retailers distributors
Give your customers the products they need when they need them with flexible farm financing solutions that won’t tie up your balance sheet.
Our Mission
ARM Dealer Program for Agriculture Retailers
The ARM Dealer Program gives ag retailers a better way to support their customers. Instead of taking on the risk or workload of financing, you can connect your customers with farm capital solutions that cover their biggest seasonal expenses. ARM offers a full range of agricultural lending options, including:
Farmers work one-on-one with local ARM representatives to create a financial package aligned with their operation and planting timeline. On your end, this leads to more consistent sales, stronger customer relationships, and long-term growth, minus any added admin work or credit exposure.
Our Offerings
Benefits for Ag Retailers and Farmers
Joining ARM’s dealer financing program creates value on both sides of the counter.
Offer a One-Stop Solution
Farmers need more than seeds and chemicals. ARM allows you to connect them with funding for real estate, equipment, and insurance. Our full-service support keeps your store competitive.
Stronger Sales Potential
ARM gives farmers access to crop input loans and farm capital solutions they might not qualify for elsewhere. Essentially, you’re letting them secure inputs and plan for a more productive, profitable season.
Unlock Bulk Discount Opportunities
Ready capital allows growers to purchase in larger quantities and capture early-bird pricing. You move more product earlier, and your customers benefit from cost savings.
Strengthen Customer Loyalty
When you give farmers better financing options, you become part of their planning process. They’re more likely to return season after season.
Free Up Your Working Capital
Stop tying up your balance sheet with customer financing. With ARM carrying the credit, you can keep your cash available for inventory, expansion, or day-to-day operations. Better yet, you do not have to limit how much your customers can spend.
Plug-and-Play Simplicity
There’s no need to establish a lending department or hire extra staff. ARM offers a turnkey system with local reps, application support, and account management, at no cost to you.
Why Choose Us
ARM Financing vs. In-House Financing
Creating your own financing program takes a good amount of time and resources. ARM lets you skip these overheads and still give your customers the right type of agricultural financing solutions.
ARM Dealer Program | In-House Financing | |
|---|---|---|
Cost | No cost to you. ARM provides all loan management and servicing. | High overhead for staffing, systems, and collections |
Management | ARM takes care of loan approvals, disbursements, and account monitoring. | You’re responsible for the full credit process. |
Capital Impact | Keeps your working capital free for inventory and operations | Ties up cash and affects your balance sheet. |
Risk | ARM absorbs credit risk and handles any defaults. | You take on full responsibility for non-payment. |
Setup Time | Fast, plug-and-play onboarding with local ARM support. | Requires infrastructure, legal review, and ongoing management. |
Customer Benefits | Access to crop input loans, real estate financing, insurance, and more. | Limited by your internal resources and available credit. |
Join ARM’s Ag Retailer Program
Access special wholesale pricing and get first look at A's newest, most popular inventory. Sign up today to join a trusted network and enjoy marketing support designed for your success.
Our Lending Service
Expand Your Retail Services with ARM
Offer more capital without stretching your own resources.
- Farm input financing and other ag retail lending options with zero extra admin work.
- Help farmers secure inputs early and plan their season confidently.
- Avoid last-minute disruptions that can slow down sales and deliveries.
- Enjoy steadier, more predictable sales across the season.
Empower Your Customers
Farmers make their best decisions when money isn’t holding them back. Help them stay focused on production with:
- Operating funds and crop loan solutions aligned with their planting and harvest schedules.
- The ability to secure inputs before prices rise and maintain steady cash flow.
- Knowledge to make informed buying decisions without last-minute credit stress.
- Budgets tracked and monitored by ARM from start to finish.
Lessen Your Burden
Let ARM take the weight of credit and monitoring off your business.
- Disbursements sent directly to your business once a farmer is approved
- Crop progress tracked through the season to keep budgets on target
- Local ARM reps available to support both you and your growers
- Clear terms outlined in ARM’s Master Program Agreement
- Growing crop monitored
- Crop insurance records kept accurate
Why Choose Us
Why Retailers Trust ARM
ARM has earned the trust of farmers nationwide through transparent terms, reliable communication, and a genuine commitment to your success.
Kenneth Hood, MS
Senior Optimization Representative
We went to ARM and told them what we were doing. They stepped up for us to move forward in our family farm.
Kenneth Hood, MS
Senior Optimization Representative
We went to ARM and told them what we were doing. They stepped up for us to move forward in our family farm.
FAQs
Retailer's FAQs
Your go-to resource for quick information on pricing, policies, and program details. Get instant support and clarity on all aspects of being ARM's retailers.
Crop-based lending uses your crop and insurance value as collateral instead of land or equipment, allowing more flexibility.
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