Lend to
neighbors.
Earn real
returns.
ArcFi connects people who need capital with people who want to grow their money — no banks in the middle, no confusing terms, just fair deals between real people.
847
Invested
$8,400
Returns
+$612
Avg Yield
6.1%
Three steps to your first funded deal
We made it simple enough for your first investment or loan — no finance degree required.
01
Create & Verify
Sign up in minutes. Connect your bank account so we can generate your real-time ArcScore — your financial fingerprint.
02
Browse Real Listings
See live loan requests from verified community members. Filter by amount, return rate, term, or location.
03
Fund & Earn
Click Fund, deploy your capital instantly, and watch your returns grow in your live dashboard.
Not your
grandfather's
credit score.
Traditional scores are 3 months behind reality. ArcScore reads your live bank data — so a freelancer with strong recent income gets a fair shot, not a rejection slip.
See how it works712
STRONG
Cash Flow
Income Trend
Overdraft
Repayment
Real people. Real deals. Right now.
Every listing is from a verified member with a real ArcScore.
Priya S.
Connected friend
Seattle · Freelance
$12,000
Equipment upgrade for design studio
Term: 45 days · Return: 5.8%
User #3847
Anonymous
Atlanta · Business
$4,500
Seasonal inventory capital
Term: 30 days · Return: 7.2%
Marcus C.
Verified
Chicago · Personal
$8,000
Home office equipment
Term: 60 days · Return: 5.1%
$2.4M+
Funded to date
98.2%
On-time repayment rate
4.2 days
Average time to funded
Risk-Tiered Underwriting
Every borrower scored in real-time using live cash flow — not outdated bureau reports.
Market-Driven Rates
Lenders compete for listings. Rates emerge from real supply and demand, not committee decisions.
Bank-Grade Security
Plaid-powered 256-bit encryption. Your credentials never touch our servers.
Your invoices
are worth more
than you think.
Stop waiting 30, 60, 90 days for customers to pay. ArcFi advances up to 90% of your outstanding invoices — no debt, no equity given up.
Submit Your First InvoiceApex Creative LLC
Invoice #AF-2201 · Net-60
$18,500
Your community
is your bank.
Join thousands of everyday people borrowing smarter and earning more on ArcFi.
Free to join · No credit pull to sign up · Cancel anytime