Flexible Access to Your Grain Payments
Farming businesses face constant pressure to manage cash flow. Input costs, seasonal expenditure, machinery investment and market volatility can all place demands on working capital long before grain sales are paid for.
To help growers gain greater control over their cash flow, ADM Agriculture has launched a Supply Chain Finance Programme in collaboration with Lloyds.
The programme gives growers the option to receive payment on approved grain invoices before the agreed payment date, providing earlier access to funds when they are needed most.
Importantly:
- Participation is completely optional
- There are no registration fees
- You choose if and when to use the programme
- Any funding cost is shown upfront before you confirm a request
The programme simply gives you the option to access your money earlier, putting you in control of when cash comes into your business.
Access Cash When You Need It
Once an invoice has been approved by ADM Agriculture, growers can choose to request payment before the standard due date.
This additional flexibility can help businesses:
- Purchase seed, fertiliser or crop protection products
- Fund seasonal labour requirements
- Manage everyday operating expenses
- Invest in machinery or farm improvements
- Bridge cash flow gaps between harvest and payment cycles
- Take advantage of business opportunities as they arise
Whether you use it regularly or only occasionally, the decision remains entirely yours.
Key Benefits for Growers
Get Paid Earlier
Access funds from approved invoices ahead of the standard payment date, helping to improve cash availability when you need it.
Stay in Control
Choose whether to participate and decide which approved invoices, if any, you would like to receive early payment against.
Improve Cash Flow Flexibility
Use early payments to support seasonal requirements, purchase inputs or invest in your farming operation.
Plan with Confidence
A simple online platform provides visibility of approved invoices and expected payment dates, making it easier to manage cash flow and plan.
Complete Transparency
Any funding cost is clearly displayed before you confirm a request, allowing you to make informed decisions based on the needs of your business.
A Solution Designed Around Your Business
Every farming business is different. Some growers may choose to use the programme regularly, while others may only use it when seasonal pressures or investment opportunities arise.
The programme is designed to provide flexibility, choice and control, helping you decide when to access cash from approved invoices.
Frequently Asked Questions
Do I have to use the programme?
No. Participation is entirely optional and there is no obligation to request early payment.
Are there any registration fees?
No. There are no registration costs to join the programme.
Do I need to use it for every invoice?
No. You can decide which approved invoices you would like to receive early payment against.
Is there a cost for early payment?
Yes. A funding cost applies only when you request early payment. This cost is clearly shown before you confirm any request.
How do I know what invoices are available?
The online platform provides visibility of approved invoices and payment dates, allowing you to choose whether to request early payment.
Supporting Growers for the Long Term
At ADM Agriculture, supporting growers and helping farming businesses thrive remains a key priority.
The Supply Chain Finance Programme provides greater choice over when you get paid, helping you improve cash flow flexibility while remaining in full control of your decisions.
For growers looking to strengthen cash flow and access funds sooner when needed, the programme offers a simple, flexible and completely optional solution designed around the needs of modern farming businesses.
