Arc is a fintech platform that provides startups with a modern banking experience, combining digital banking, payment management, cash diversification, and non-dilutive financing all within a single solution. Arc aims to streamline financial operations for early-stage and growth companies, primarily targeting startups looking for flexible, founder-friendly alternatives to traditional banking and venture funding.
With Arc, users can seamlessly store deposits, schedule and manage payments, diversify cash across various asset classes, and access non-dilutive financing options such as revenue-based advances—eliminating the need to give up equity. The platform addresses the growing demand for integrated financial tools among startups, allowing companies to optimize their capital management and access funding without complex legacy bank processes or dilutive venture capital rounds.
Arc is headquartered in San Francisco and backed by prominent investors, including Left Lane Capital, NFX, Bain Capital Ventures, Clocktower Technology Ventures, Torch Capital, and Y Combinator.
What technology enables Arc's banking platform?
Arc leverages cloud-based fintech infrastructure to deliver a digital-first banking experience tailored to startup needs. The platform integrates modern payment rails, secure cash management tools, and underwriting algorithms to assess eligibility for non-dilutive financing. By bringing these services together, Arc enables startups to efficiently manage their finances, reduce friction in funding access, and diversify their financial holdings with ease.
Who uses Arc?
Arc primarily serves U.S.-based startups and SaaS companies seeking:
- Banking solutions designed for the pace and requirements of early-stage businesses
- Non-dilutive funding options that preserve founder equity
- Centralized cash management and payment automation
- Diversification of company capital across asset classes for risk management
The platform is especially valuable for founders and finance teams aiming for speed, transparency, and flexibility in their financial operations without the red tape of traditional banks or the dilution of equity fundraising.
Who are Arc's competitors and alternative platforms?
Arc competes in the fintech space alongside other digital banking and alternative financing providers for startups, including:
- Mercury Bank: Offers digital banking and alternative business financing options for startups.
- Efficient Capital Labs (ECL): Provides revenue-based financing and guides to funding alternatives.
- Gynger.io: Focuses on alternative financing options for startups.
- Lighter Capital: Specializes in non-dilutive, revenue-based funding for technology startups.
Additional resources and platforms shaping the competitive landscape include:
- The Hartford: Alternative funding insights for startups
- LivePlan: Funding guides for small businesses
- NerdWallet: Reviews and comparisons of alternative lenders
- U.S. Small Business Administration: Official resources for startup funding, including self-funding
These companies and resources offer a range of digital banking, alternative lending, and non-dilutive financing solutions, with some—like Mercury and Lighter Capital—competing directly with Arc on integrated banking and funding for startups.
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