Net-60 terms.
24-hour capital.
ArcFi advances up to $20,000 against your outstanding invoices — funded by accredited investors, originated by a partner bank, at rates that don't punish you for needing working capital.
Currently in pre-launch. First originations targeted for Q3 2026.
Three million B2B businesses
have this problem.
THE GAP
Net-60
The average B2B invoice payment term. You did the work on day zero. You don't see the money for 60 days. Meanwhile payroll, rent, and suppliers don't wait.
THE ALTERNATIVES FAIL
60–200% APR
What merchant cash advances actually cost when you run the math. Banks won't touch loans under $50K. Credit cards cap out. MCA companies charge rates that compound the problem.
THE ARCFI RATE
8–18% APR
Based on your ArcScore — your actual receivables quality, cash flow, and commercial credit. Not a one-size-fits-all rate. A priced-to-risk rate.
Two sides. One marketplace.
Your invoice is worth something today.
If you invoice other businesses on payment terms, you qualify. Connect your accounts and get an ArcScore in real time. No collateral beyond the invoice itself. No equity. No customer notification.
- 1Connect your bank via Plaid and accounting system via Codat — under 5 minutes
- 2ArcScore™ generated from your actual receivables quality, cash flow, and credit history
- 3Loan originated by our partner bank. Listed on the investor marketplace with full disclosure
- 4Funded within 24 hours. Repay at term end when your customer pays — 45 to 75 days
Your customer relationship stays yours. They never know ArcFi is involved.
Short-duration. Asset-backed. Fully disclosed.
Every loan on the marketplace is backed by a verified receivable, originated by a chartered bank, and scored by ArcScore™. You see the score, the rate, the industry, and the receivables quality before you commit a single dollar.
- 1One-time accredited investor verification via SEC-compliant third-party (Reg D Rule 506c)
- 2Browse available loans — ArcScore, APR, term, industry, and advance rate all shown upfront
- 3Fund a single loan — whole-loan model at launch. One investor per loan. Full position, full clarity
- 4Receive principal plus interest at repayment — typically 45 to 75 days from funding
6–11% net target yield after losses. Not a fund. Not a pool. You pick the loan.
Underwriting built on real data.
The ArcScore synthesizes live bank data, receivables quality, commercial credit history, and application signals into one risk-tier score — priced to risk tier.
Bank Account Data (via Plaid)
90-day avg balance, deposit regularity, NSF events, revenue trend
Receivables Quality (via Codat)
AR aging, customer concentration, collection performance
Commercial Credit History
Payment behavior, UCC filings, public records, trade references
Application Signals
Business structure, industry, use of funds — cross-verified against data
First 100 loans include enhanced manual review before scaling automated decisioning.
Rates that reflect risk.
Not convenience.
8–10% APR
Target loss rate <1.5%
11–13% APR
Target loss rate 1.5–2.5%
14–16% APR
Target loss rate 2.5–3.5%
17–18% APR
Launched selectively
Target loss rates are modeling assumptions, not historical results. ArcFi has not yet originated loans.
The math behind a $15,000 loan.
No hidden fees. Every dollar accounted for.
Borrower pays $675 total
$225 interest + $450 origination fee. Far below credit cards or MCAs charging 24–200% APR.
vs. 24–200% APR alternativesInvestor earns $150–180
Asset-backed yield in 45–75 days after platform servicing spread.
6%–11% net target yieldSAMPLE LOAN
$15,000 · 60 days · 9% APR · Tier B
Illustrative only — not a projection. Platform-level profitability requires repeat borrowers. At 3% NCO, 3 repeat loans per borrower achieves CAC payback. Repeat borrower rate is a core tracked KPI from the first loan originated.
Real yield. Real assets. Real transparency.
Most alternative credit funds require $500K minimums and zero visibility into loans. ArcFi gives you both.
Verified Accreditation
SEC-compliant third-party process under Reg D Rule 506(c)
Full Loan Disclosure
ArcScore, APR, term, industry, collateral quality shown before you commit
Short Duration
45 to 75 day terms. Capital not locked for years.
Asset-Backed Security
Every loan secured by accounts receivable. UCC-1 lien filed before disbursement.
Vintage Analytics
Cohort performance data published from day one. Delinquency curves, roll rates, loss by vintage.
Target 6–11% Net Yield
Risk-tiered pricing means your yield reflects the risk tier you fund.
For accredited investors only. Investments involve risk including possible loss of principal.
COMPLIANCE & TRUST
From foundation to scale — deliberately.
Each phase unlocks the next. No shortcuts on compliance, no skipping validation.
PHASE 1 · MONTHS 1–2
Foundation
Entity, legal counsel, bank partner conversations
PHASE 2 · MONTHS 3–4
Build
Bank LOI, BD opinion, Reg D approved, investor pipeline
PHASE 3 · MONTHS 5–6
Closed Pilot
First 10 loans, manual oversight on every deal, vintage analytics live
PHASE 4 · MONTHS 7–12
Validate
50–100 loans, NCO within model, <24hr funding, seed round
PHASE 5 · YEAR 2
Scale
Institutional warehouse facility, vertical expansion, Series A
Your invoices are an asset.
Start using them.
Apply in minutes. ArcScore in real time. Funded in 24 hours. No equity. No customer notification. No predatory rates.