Arc

Arc is a comprehensive, AI-driven financial operating system designed specifically for the needs of modern private companies, particularly software startups. It aims to revolutionize finance by providing an integrated platform where businesses can manage daily finances, grow their capital through high-yield investments, and access funding without diluting equity. Backed by leading venture capitalists like Y Combinator and Bain Capital Ventures, Arc provides the tools for founders and CFOs to manage their capital stack efficiently, extend their runway, and accelerate growth.

The platform addresses the common pain points of traditional startup financing, which is often costly, slow, and distracting. By leveraging AI, Arc streamlines the process of raising debt capital, connecting companies with customized debt solutions quickly and effectively. It serves as a centralized hub for all financial operations, from spending and saving to borrowing, empowering companies to achieve financial efficiency and scale on their own terms.

How to use Arc

Getting started with Arc is designed to be a frictionless experience:

1. Apply for an Account: The application process is digital and takes only a few minutes to complete.
2. Get Approved: Once your application is reviewed and approved, you gain immediate access to the entire suite of Arc's financial tools.
3. Manage Daily Finances: Use the Cash Management account for all your operational needs, including unlimited free wires, ACH transfers, and corporate cards. You can issue unlimited physical and virtual cards with granular spending controls.
4. Earn on Idle Cash: Move funds from your operating account to an Arc Treasury account to invest in secure, high-yield assets like Money Market Funds and Treasury Bills, earning a competitive return (up to 4.36% net yield depending on the plan).
5. Access Growth Capital: When you need to raise capital, leverage Arc's AI-powered Capital Markets solution. Arc's team will find and negotiate a customized, non-dilutive debt solution on your behalf, saving you time and resources.

Core Features of Arc

• AI-Powered Capital Markets: Arc uses artificial intelligence to analyze your business's financial health and match you with the best non-dilutive funding options available. It manages the entire debt-raising process, from sourcing lenders to negotiating term sheets.
• High-Yield Treasury Management: Allows companies to securely invest idle cash into low-risk Money Market Funds and T-Bills, turning a typically dormant asset into a source of revenue and extending operational runway.
• Comprehensive Cash Management: A robust business account that serves as the financial hub for a startup. It includes unlimited free transactions (ACH, wire), cashback rewards, and advanced corporate card features with customizable spending limits and controls.
• Enterprise-Grade Security: The platform is built with security as a priority, featuring multi-factor authentication, granular employee permissions, and robust data protection to safeguard your company's financial data.
• Dedicated Support: Premium and Enterprise customers receive white-glove support from a dedicated relationship manager or support team to assist with any questions and help optimize their financial strategy.

Use Cases for Arc

Arc is ideal for various financial scenarios faced by startups and private companies:

• Runway Extension: A venture-backed startup can deposit its funding into an Arc Treasury account to earn significant yield, effectively extending its financial runway without altering its burn rate. For example, Swantide used the yield earned to hire an additional engineer.
• Bridge Financing: A company in between equity rounds can use Arc's Capital Markets to quickly secure a bridge loan, ensuring continuous operation and growth without the pressure of an immediate equity raise.
• Operational Efficiency: A CFO can streamline the company's entire financial operations, from payroll and vendor payments to expense management, all from a single dashboard with no transaction fees.
• Strategic Growth: A founder can access growth capital through Arc to fund a new marketing campaign or market expansion, leveraging debt financing to preserve equity for future, larger funding rounds. Swayable received multiple Venture Debt term sheets within days using Arc's platform.

Advantages of Arc

Arc offers a distinct competitive edge over traditional banking and financing solutions:

• All-in-One Platform: Consolidates banking, treasury, and capital raising into a single, seamless interface, eliminating the need for multiple disconnected services.
• Speed and Efficiency: The AI-powered platform dramatically accelerates the process of securing debt financing from months to days.
• Non-Dilutive Funding: Provides a powerful alternative to equity financing, allowing founders to retain ownership and control of their company.
• Superior Returns: Offers market-leading yields on corporate cash, transforming a company's balance sheet into a productive asset.
• Transparent Pricing: Features a clear pricing structure with a robust free tier, no minimum balance requirements, and no hidden usage-based fees.

Pricing and Plans

Arc offers a tiered pricing model to suit businesses of different sizes and needs:

• Essentials Plan (Free): Includes core cash management features, up to 3.91% net yield on brokerage, 0.6% cashback on funds in the business account, and 1.0% cashback on card spend.
• Premium Plan (Paid Annual Membership): Everything in Essentials, plus higher yields (up to 4.31%), increased cashback rewards (1.2% on funds, 1.5% on card spend), a dedicated relationship manager, advanced features, and a 50% discount on ACM placement success fees.
• Enterprise Plan (Custom Pricing): The most comprehensive offering. Everything in Premium, plus the highest yields (up to 4.36%), 2.0% cashback on card spend, custom feature builds, a dedicated support team, and full lifecycle Capital Markets support.