What Arc Technologies does

Arc Technologies Inc. is a San Francisco-based financial technology company founded in 2021 that provides an integrated cash management, treasury, and capital markets platform targeted at venture-backed technology companies and software startups. The company consolidates business banking (wires, ACH, corporate cards issued by Celtic Bank), yield-bearing Treasury accounts with FDIC/SIPC coverage up to $5.75M (through sweeps across partner banks including Fifth Third Bank, Pershing/BNY Mellon custody, and Atomic Brokerage broker-dealer services), non-dilutive revenue-based financing (Arc Advance), and a venture debt marketplace (Arc Capital Markets) connecting borrowers with 200+ lenders representing $100B AUM. The platform is built on Stripe's payments infrastructure with Plaid for account connectivity, and operates on a product-led growth model with self-serve onboarding and tiered subscription pricing (Essentials free, Premium annual, Enterprise custom).

The company's core technology includes proprietary AI capabilities — most notably CFO Agent (Archie) for autonomous financial analysis, anomaly detection, and scheduled reporting, plus Arc Intelligence for AI-powered underwriting and automated credit memo generation. Arc generates revenue through subscription fees on Premium and Enterprise tiers, yield spreads on Treasury account balances (up to 4.51% net APY on Enterprise), Capital Markets facilitation fees, transaction-based revenue from Arc Advance, and interchange/cashback programs. The platform serves three primary segments: technology companies/software startups (primary), venture-backed startups needing capital management, and lenders/capital providers seeking deal flow. Distribution is primarily digital self-serve with inside sales for mid-market and dedicated relationship managers for Enterprise customers. Arc is Y Combinator-backed and raised a $20M Series A led by Left Lane Capital in August 2022; in September 2025 it spun off F2 as an independent entity focused on AI for private markets investors.

Name

Arc Technologies

Legal name

Arc Technologies Inc.

Website

https://joinarc.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Arc Technologies is a financial technology platform that provides venture-backed technology companies and software startups with integrated cash management, treasury yield accounts, corporate cards, non-dilutive financing, and an AI-powered CFO Agent for financial analysis and capital markets access.

Ownership category

akta.pro rank

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Premium Membership Fees: Annual paid membership tiers (Essentials, Premium, Enterprise) that provide access to differentiated features including higher yields, enhanced cashback rewards, dedicated support, and reduced fees on debt marketplace.
2. Yield Spread on Treasury Accounts: Arc Advisory LLC provides investment advisory services for Treasury accounts, generating yield for customers while Arc earns spread. Investment options include Money Market Funds, Treasury Bills, and Mutual Funds with yields up to 4.51% net APY.
3. Rewards and Cashback Programs: Earn rewards on card spend (up to 2.0% cashback) and account balances. Rewards can be redeemed as statement credit. Treasury accounts do not earn Rewards.
4. Capital Markets Facilitation Fees: Arc Capital Markets connects borrowers with 200+ lenders for debt capital raises. The platform charges fees for debt marketplace access and DACA account setup (waived for Premium members).
5. Non-Dilutive Financing (Arc Advance): Revenue-based financing where Arc provides upfront capital in exchange for rights to future projected revenue streams at a discount, enabling startups to access capital without equity dilution.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core offering

Arc is a full-service finance platform that provides software startups and technology companies with cash management, treasury management, debt capital marketplace access, and AI-powered financial analysis. The platform combines a Business Account, Treasury Account with competitive yield, Control Account (DACA) for lender compliance, a venture debt marketplace connecting borrowers with 200+ lenders, and the AI-powered CFO Agent (Archie) for automated financial analysis, anomaly detection, and reporting.

Differentiator

Problem solved

Functional benefit

Brands

• Archie (CFO Agent): AI-powered CFO Agent that provides financial analysis, anomaly detection, and scheduled reporting for technology companies.
• Arc Capital Markets
• Arc Treasury
• Arc Advance
• Arc Platinum
• Arc Intelligence

Products and services

• Business Account Cash management operating account for technology companies. Send wires and ACH, issue cards, and set controls from one secure dashboard with dedicated support. Business, Wallet, and Reserve accounts are provided by Stripe Payments Company with funds held at Fifth Third Bank.
• Arc Treasury (Treasury Account) Treasury account for technology companies offering investments with daily liquidity, automated T-Bill laddering, and competitive yield up to 4.51% net APY. FDIC/SIPC coverage up to $5.75M available through partner banks (Pershing LLC, BNY Mellon company). Investment advisory services provided by Arc Advisory LLC, an SEC-registered investment advisor.
• Control Account (DACA) Lender-controlled account (Deposit Account Control Agreement) that helps technology companies meet DACA requirements with in-app controls, automated alerts, and simple setup, simplifying lender compliance.
• Arc Capital Markets (Debt Marketplace for Borrowers) Enterprise debt capital marketplace connecting technology company borrowers with 200+ lenders. Provides term sheets for up to $250M in debt capital with AI-powered matching to lenders' credit criteria, dedicated Arc Capital team support, and automated underwriting powered by Arc Intelligence.
• CFO Agent (Archie) AI-powered CFO agent built directly into the Arc platform that ingests transaction data to deliver real-time analysis, anomaly detection, burn deviation alerts, A/R and A/P slippage detection, covenant-compliance risk monitoring, and scheduled reporting. Achieves 99% accuracy in core complex financial analysis tasks.
• Arc Intelligence AI-powered financial analysis platform for the private credit industry. AI Private Credit Analyst transforms data rooms into audit-ready credit memos in seconds. Powers automated underwriting, financial analysis for debt capital raises, and portfolio monitoring.
• Arc Platinum Premium cash management experience providing higher yields up to 4.46% net yield on brokerage, 1.5% cashback rewards, dedicated Arc relationship manager, unlimited access to CFO Agent (Archie), reduced fee on Debt Marketplace, and waived Control Account (DACA) fee.
• Arc Advance Non-dilutive revenue-based financing that allows startups to convert future revenue into upfront capital. Arc provides upfront capital in exchange for rights to future projected revenue streams at a discount, enabling startups to access capital without equity dilution.
• Runway by Arc Tool helping founders weather volatile macro environments through ML-enriched underwriting algorithm that analyzes net cash burn and cash on hand to support financing decisions.
• Arc Capital Markets (Lenders) Buy-side marketplace for lenders to source, close, and manage credit opportunities. Provides AI-powered underwriting, automated credit memo generation, deal flow from Arc's technology company borrower network, and portfolio monitoring tools.

Quantifiable outcome

• Arc Platinum provides on average $50,000 in incremental earnings each year for the average Series A startup compared to their traditional banking stack
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability10 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and strategic.

• StripecoreTechnology or Integration · 13 January 2022Strategic infrastructure partner providing payment processing and money transmission services. Arc Treasury was built in partnership with Stripe, leveraging their leading payments infrastructure. Stripe provides Business, Wallet, and Reserve accounts with funds held at Fifth Third Bank.
• Fifth Third BankcoreTechnology or IntegrationPartner bank providing FDIC-insured deposits for Arc's Business, Wallet, and Reserve accounts. Member FDIC. Funds held at Fifth Third Bank through Stripe partnership.
• Pershing LLC (BNY Mellon)coreTechnology or IntegrationCustodial and clearing services provider for Arc Treasury accounts. Pershing provides cash sweep program and brokerage account services. BNY Mellon company.
• Atomic Brokerage LLCcoreTechnology or IntegrationRegistered broker-dealer and member of FINRA and SIPC. Provides brokerage services for customers of Arc Advisory LLC through engagement with Arc.
• Arc Advisory LLCcoreTechnology or IntegrationSEC-registered investment advisor providing investment advisory services for Arc Treasury accounts. Manages investment options including money market funds, T-Bills, and brokerage services.
• Celtic BankcoreTechnology or IntegrationBank issuing Arc cards. Cards are serviced by Stripe, Inc. and its affiliate Stripe Servicing, Inc.
• DigitsstrategicTechnology or IntegrationEnd-to-end accounting platform built for the AI era. Partnership announced May 2025 to provide smarter accounting integration for Arc customers.
• PlaidstrategicTechnology or IntegrationFinancial data platform partner. Arc leverages Plaid for account connectivity and financial data integration.

Scale indicators8 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Relay Financial: Direct competitor offering digital business banking with multiple sub-accounts, bill pay, and corporate cards tailored to small businesses and startups.
• Found: Direct competitor in self-employed and small-business banking with built-in bookkeeping, tax tools, and corporate cards — competing for the same technology-driven founder demographic.
• Mercury: Direct competitor offering startup-focused business banking, treasury, and bill pay. Both target venture-backed startups with unified online banking experiences and aim to displace SVB-style banking relationships.
• Brex: Direct competitor providing corporate cards, banking, treasury, and lending to technology companies. Brex's spend management, yield accounts, and venture debt offering overlap directly with Arc's product portfolio.
• Ramp: Direct competitor in spend management and corporate cards, increasingly expanding into banking, treasury, and AI-powered financial automation for startups and SMBs.
• Pipe: Direct competitor in revenue-based financing and capital markets for SaaS companies. Both Arc Advance and Pipe monetize future revenue streams for non-dilutive startup capital.
• Column (Bank): Developer-first commercial bank for fintechs and startups offering API-driven business accounts and lending. Both compete for the technology-startup banking relationship with API-first infrastructure.
• Jeeves: Direct competitor offering cross-border banking, corporate cards, and spend management to startups with operations in multiple countries, overlapping Arc's Global Treasury and cards offering.
• NorthOne: Direct competitor in digital business banking for startups and SMBs, with API integrations and spend management tools that overlap Arc's Business Account and cash management offering.

Broad incumbents

• Stripe Treasury: Banking-as-a-service infrastructure that powers Arc Treasury itself; broader Stripe platform also offers embedded finance products that compete with Arc's capital markets and treasury offerings to fintech builders.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/join-arc
• Xx.com/join_arc

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds3 records

Investors12 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Arc Technologies