Arbo

What Arbo does

Arbo (legal entity Arbo Technologies, Inc.) is a private Atlanta-based SaaS company that operates an IRS-integrated financial operating platform combining accounting, tax operations, and FP&A capabilities. The platform is built API-first with a modular architecture, offering direct access to IRS-verified data including tax transcripts, 1099s, and entity data via embedded transcript automation. Core product modules include Ledger & Transactions, Invoicing, Financial Planning & Forecasting, Scenario Modeling, Variance Analysis, Dashboard & Reporting, Vendor Management, Tax Project Tracker, and 1099 Filing, with API products for 1099/TIN matching and IRS data-as-a-service. The platform holds SOC 2 Type II certification, supports granular RBAC, and integrates with ERP systems, banking APIs, NetSuite, QuickBooks, Excel, and Google Sheets.

The company targets a horizontal set of customer segments: CFOs and accounting firms, SMBs and growth-stage companies, government agencies requiring IRS data access, developers and embedded finance platforms building on IRS-verified data, lending and underwriting teams, and SaaS/fintech companies. Revenue is generated through tiered subscriptions, card and ACH processing fees (2.9% + $0.30 for cards, 1% capped at $10 for ACH) via a Rainforest Pay partnership, ancillary service fees, and referral fees from third-party CPAs and Enrolled Agents operating on the platform. Distribution combines direct enterprise sales (demo-driven), API/developer self-serve, a partner program for accounting firms and integrators, and self-serve SMB onboarding.

The company was founded in 2018, operates with 11-50 employees, and shows no disclosed funding rounds, revenue, or institutional investor backing in the available data. Product development activity is concentrated in October 2024 with five major platform releases (versions 3.0.0 through 3.3.0) covering UI overhaul, AI productivity assistant ('Efficiency'), collaborative workspaces, mobile app redesign, and enhanced data visualization tools.

Name

Arbo

Legal name

Arbo Technologies, Inc.

Website

https://arbohq.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Arbo is an Atlanta-based SaaS company offering an IRS-integrated financial platform combining accounting, FP&A, and tax operations via API-first architecture. It serves CFOs, accounting firms, SMBs, government agencies, developers, and lending teams with SOC 2 Type II compliance.

Ownership category

akta.pro rank

Product category

Cloud Accounting and FP&A Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Finance and Insurance (52)

SIC

Finance Services (6199)

akta.pro primary industry

Embedded Tax, Accounting & Invoicing Finance (FSAGALAJ)

akta.pro secondary industries

Reconciliation, Ledgering & Money Movement Ops (Sub-ledgers, Settlement, Reporting) (FSAGALAL), Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB), Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)

Keywords

• Cloud accounting software
• Financial planning analysis
• Tax compliance automation
• IRS data API
• Embedded finance platform

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription Services: Arbo offers an integrated platform including accounting software, invoicing, payment processing, and financial planning and analysis (FP&A) on a subscription basis with auto-renewal and tiered pricing models. Users select and modify service tiers through the platform.
2. Card Processing Fees: 2.90% card transaction volume fee plus $0.30 per transaction for credit card payments and refunds. Applies to all credit card payments processed through the platform.
3. ACH Processing Fees: 1% ACH volume rate with a $10 cap, applied to all ACH payments and refunds. Additional $0.50 per batch for standard ACH payouts.
4. Tax Project Referral Fees: Arbo acts as a referral service connecting customers with Third-Party Tax Professionals (CPAs and Enrolled Agents). Arbo retains a referral fee from all transactions conducted through the platform.
5. Ancillary Fees: Additional fees including $0.50 per card updated (Account Updater), $2.50 for bank account validation, $30.00 per chargeback/dispute/ACH return, $30.00 per terminal monthly for EMV terminals.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Arbo provides a unified enterprise financial operating platform that combines IRS-integrated data services with accounting, FP&A, and tax compliance capabilities. The platform offers API access to IRS-verified tax transcripts, 1099s, and entity data with built-in consent tracking, alongside core accounting modules (general ledger, invoicing, vendor management), financial planning modules (scenario modeling, variance analysis, forecasting), and 1099 compliance workflows. It is sold on a tiered subscription basis with usage-based payment processing and is targeted at regulated finance teams including CFOs, accounting firms, growth-stage businesses, government agencies, developers, and lending/underwriting teams.

Product overview

Arbo is a unified enterprise financial operating platform offering a modular architecture designed for regulated finance teams. The platform combines IRS-integrated data services with comprehensive accounting, FP&A, and tax compliance capabilities. The core product ecosystem includes IRS Data-as-a-Service (providing secure API access to tax transcripts, 1099s, and entity data), accounting tools (Ledger & Transactions, Invoicing), financial planning modules (Financial Planning & Forecasting, Scenario Modeling, Variance Analysis, Dashboard & Reporting), tax compliance (1099 Filing, Tax Project Tracker), vendor management, and API products (1099 API & TIN Match). The platform is built API-first with SOC 2 and IRS-aligned controls, targeting CFOs, accounting firms, lending/underwriting teams, government agencies, and embedded finance platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Arbo Platform (Unified Enterprise Financial Operating Platform) Unified modular SaaS platform combining IRS-integrated data services with core accounting, FP&A, and tax compliance for CFOs, accounting firms, growth-stage businesses, government agencies, developers, and SaaS/fintech companies.
• IRS Data-as-a-Service API service enabling secure access to IRS-verified tax data including tax transcripts, 1099s, and entity data with built-in consent tracking, real-time API access, and full audit traceability. Built for developers, embedded finance platforms, lending teams, and government agencies.
• 1099 API & TIN Match API service for 1099 form processing and Taxpayer Identification Number (TIN) matching to ensure accurate contractor and vendor reporting.
• Financial Planning & Forecasting FP&A module enabling modeling, planning, and forecasting with real-time actuals and full scenario control, tied directly to the financial stack.
• Scenario Modeling Module for customizable scenario modeling allowing users to save, update, and compare different financial plans within the system.
• Variance Analysis Module for analyzing variances between projected and actual financial results to support financial review and decision-making.
• Dashboard & Reporting Reporting module providing data visualization tools and comprehensive analytics dashboards for financial insights and reporting.
• Ledger & Transactions Core accounting module for general ledger management, financial tracking, and transaction recording with audit-ready tools.
• Invoicing Module for generating, sending, and tracking invoices directly through the platform with integrated approvals and payment processing.
• Vendor Management Module for managing vendor relationships including tracking, approval workflows, and integration with accounts payable processes.
• Tax Project Tracker Module for tracking tax projects and workflows to ensure timely completion and compliance with filing requirements.
• 1099 Filing End-to-end 1099-NEC filing workflow module enabling vendor and contractor data tracking with integration to accounting and payment data, managing workflows from data collection to filing with structured processes and accurate reporting.
• Embedded Transcript Automation Platform API service for requesting, monitoring, and managing tax transcripts with real-time API access and built-in consent tracking, usable through the API or the Arbo UI.

Quantifiable outcome

• Finance teams report real-time visibility into books, taxes, forecasting, and financial KPIs
• +2 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability7 records

Feature10 records

Partnerships

Two partnerships are on record, tiered core.

• Third-Party Tax Professionals (CPAs & Enrolled Agents)coreImplementation/ SI/ Consulting PartnerArbo operates as a referral platform connecting customers with licensed CPAs and Enrolled Agents for tax preparation and filing services. Third-Party Tax Professionals are independent contractors who provide tax preparation, filing, and accounting-related services through the Arbo Platform or Arbo Outsourcing Platform. Arbo retains a referral fee from all transactions.
• Rainforest PaycoreTechnology or IntegrationArbo uses Rainforest Pay as the third-party provider for embedded payment processing services including credit card, debit card, ACH, and other payment methods. Processing Terms and Conditions are governed by Rainforest Pay's platform.

Recent moves6 records

Expansion highlights5 records

Direct peers

• Pilot.com: Pilot is a bookkeeping, CFO, and tax services platform purpose-built for startups and tech companies. It is the closest direct peer to Arbo's accounting + FP&A + tax offering for tech SMBs.
• Bench: Bench provides AI-powered bookkeeping and financial reporting for SMBs. It directly competes with Arbo's accounting-led, finance-team-as-a-service positioning.
• Klarity: Klarity automates accounting workflows (revenue recognition, ASC 606, audit prep) using AI for SaaS and tech companies. It is a direct peer on the workflow-automation side of Arbo's FP&A and accounting modules.
• Found: Found combines banking, bookkeeping, and tax tools for self-employed and small businesses. It overlaps with Arbo's accounting + payments + tax stack for very small companies.

Emerging players

• Brex: Brex provides corporate cards, expense management, and embedded finance APIs, including bill pay and accounting integrations. It overlaps with Arbo's payments and API-driven finance operations for tech companies.
• Bill.com: Bill.com is a leading AP/AR automation and bill payments platform widely used by SMBs and accounting firms. It directly competes with Arbo's invoicing, vendor management, and payments modules.
• Ramp: Ramp offers corporate cards, bill pay, and financial operations software aimed at SMBs and mid-market. It competes with Arbo's payments, invoicing, and FP&A surface area, though its core wedge is spend management.

Broad incumbents

• NetSuite: Oracle NetSuite is a leading cloud ERP for mid-market and enterprise finance teams. It competes with Arbo's accounting, FP&A, and reporting modules at the upper end of the market.
• QuickBooks: QuickBooks (Intuit) is the dominant SMB accounting platform with broad tax, invoicing, and payment capabilities. It competes with Arbo across nearly every module and represents the primary incumbent threat.
• Xero: Xero is a global SMB accounting platform with invoicing, payroll, and an app ecosystem. It competes with Arbo in the SMB and accountant-firm segments where Arbo is also active.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/arbohq
• Xx.com/arbohq
• Facebookfacebook.com/arbohq

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Arbo