Northgate Fabrication LLC
Invoice #AF-2207 · Net-60
You receive
$13,095
Term
60 days
Orig. fee (3%)
~$405
Illustrative example. ArcFi is pre-launch — first originations targeted for Q3 2026.
You did the work.
Get paid for it.
Stop letting Net-30 and Net-60 payment terms strangle your cash flow. ArcFi advances up to $20,000 against your outstanding invoices — as a short-term loan against your receivable. Your customer never knows we're involved.
- Not factoring — your customer is never contacted
- Not equity — you keep 100% of your business
- Not an MCA — rates from 8%, not 60–200%
Who qualifies for ArcFi
YOU MUST HAVE
- Outstanding invoices from business customers
- B2B revenue (you invoice other businesses)
- A primary business bank account (6+ months)
- At least $5,000 in the loan amount you need
YOU DON'T NEED
- Years of credit history
- Collateral beyond your receivables
- A bank relationship
- Weeks of waiting
COMMON INDUSTRIES
- Marketing & creative agencies
- IT services & consulting
- Construction & contractors
- Staffing & professional services
- Wholesale & distribution
- Freight & logistics
The process. Start to funded.
DAY 0
Apply
Connect Plaid + Codat. Submit your outstanding invoice. ArcScore generated in real time.
DAY 0–1
Approved
Loan originated by our partner bank. Listed on the investor marketplace with your ArcScore, rate, and invoice details.
WITHIN 24 HOURS
Funded
Accredited investor funds your loan. Capital disbursed to your business bank account.
DAY 45–75
Repay
When your customer pays their invoice, you repay the principal plus interest. Relationship with your customer stays entirely yours.
ArcFi vs. the alternatives
Built for businesses like these — marketing agencies, contractors, IT consultants, staffing firms, logistics companies, and wholesale distributors.
Your invoices are sitting
there right now.
Turn them into working capital today.
Free to apply · No customer notification · Decision in real time