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invoice-backed loans.

How your return actually works

• The yield shown on each listing is gross annualized interest — what you earn if the loan repays in full.
• Every loan is secured by the borrower's outstanding receivable, perfected with a UCC-1 lien and advanced at a haircut — we fund up to ~90% of the invoice, never the full amount. If a borrower defaults, your loss is limited to whatever the receivable fails to collect, not the entire loan.
• In plain terms: your expected loss = how often borrowers default × how much is not recovered from the receivable. The collateral is what keeps that second number low.

Recovery rates are modeling assumptions, not realized results. ArcFi is pre-launch and has not yet originated or collected on any loan. Net return after losses cannot be guaranteed.