You invoiced them on day one.
Get funded on day two.
ArcFi advances up to $20,000 against your outstanding accounts receivable — as a short-term loan. Bank-originated. Priced to your actual receivables quality. Your customers are never contacted.
Do you qualify?
ArcFi is built for one specific type of business. Check before you apply.
YOU QUALIFY IF
- You invoice other businesses (B2B)
- Your customers pay on Net-30, Net-60, or Net-90 terms
- You have an active business bank account (6+ months)
- You need between $5,000 and $20,000
- Your outstanding invoice is from a verified business customer
YOU DON'T QUALIFY IF
- You sell directly to consumers (B2C)
- You don't have outstanding invoices
- Your business bank account is under 6 months old
- You need more than $20,000 per advance
- You need funds for debt consolidation or inventory (not invoice-backed)
From invoice to funded. Here's how.
STEP 1
Connect
Connect your business bank account via Plaid and your accounting system via Codat. Takes under 5 minutes. Read-only access — we never move your money.
STEP 2
Get scored
ArcScore™ is generated from your actual receivables quality, cash flow patterns, and commercial credit history. Real-time decision. No waiting room.
STEP 3
Loan originated
If approved, your loan is originated by our chartered partner bank and listed on the investor marketplace. A UCC-1 lien is filed against your receivable.
STEP 4
Funded & repay
Capital hits your account within 24 hours of investor commitment. You repay principal plus interest at term end — when your customer pays their invoice. They never know ArcFi was involved.
Estimate your advance.
Not a quote — an illustration based on your inputs.
YOUR ESTIMATE
Illustrative only. Actual terms determined by ArcScore at application.
ArcFi vs. the alternatives.
| Feature | ArcFi | Bank Loan | Credit Card | Merchant Cash Advance |
|---|---|---|---|---|
| Approval time | <24 hrs | 4–8 weeks | 1–2 weeks | 1–3 days |
| APR | 8–18% | Not available | 24–29% | 60–200% |
| Max amount | $20,000 | $50K minimum | $10–25K | Varies |
| Customer notified | Never | N/A | N/A | Never |
| Collateral | Invoice only | Real estate | None | Future revenue |
| Term | 45–75 days | 12–60 months | Revolving | Daily debit |
Ready to turn your invoices into working capital?
Apply in minutes. ArcScore in real time. Funded within 24 hours of investor commitment.