Arc

Intelligent cash management & growth capital for businesses

5.0•20 reviews•

1.4K followers

Intelligent cash management & growth capital for businesses

5.0•20 reviews•

1.4K followers

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Treasury management platforms

Arc is the cash management and capital markets platform for technology companies. Arc helps businesses manage cash, unlock competitive yield, raise debt capital, and access AI-powered financial services – all in one unified platform. Founded in 2021, Arc has headquarters in SF and NYC and is backed by investors including Left Lane, NFX, Bain Capital Ventures, and Y Combinator. To learn more, visit www.joinarc.com. [Arc is a technology company, not a bank: arc.tech/general-disclosures]

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Launch tags:Fintech•Tech•Banking

Launch Team

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Arc

Maker

📌

Hey Product Hunt! 👋 Don from Arc, launching the software-driven banking & growth capital platform for startups. We set out building Arc with a simple mission—to help startups grow. At the time, we didn’t anticipate how tumultuous the startup funding, banking, and operating environment would become over the next two years. For startups, access to capital and FDIC coverage has never been more important. In turn, our founding principle to support the startup ecosystem has never been more clear. And with that, we are incredibly excited to formally introduce Arc to the Product Hunt community. A few guiding principles around Arc’s platform 👇: 1. Become the one-stop-shop for all things startup finance (banking, funding & spending) 2. Prioritize the trust & safety of our customers by partnering with trusted financial institutions 3. Build enduring products that drive value to startups during both good times and bad Enter Arc—your full-service finance platform and startup command center. With Arc’s banking platform you can: ⏱️ Open a business account in <10 minutes 🆓 Manage everyday banking & finance needs without fees 📈 Generate market-leading yield on idle cash 🏦 Automatically diversify deposits across dozens of FDIC-insured banks 💵 Quickly access non-dilutive capital in-app at competitive terms Our team of Arc-itects has worked hard towards this launch but we have a long way to go. In that vein, we’d love your feedback on our product! Please leave your comments below or you can reach us at founders (AT) arc.tech. P.S. As a one-time Product Hunt promotion, we’re offering a $2.5K cash bonus for deposits >$250K made into your Primary account through the end of July. Bonuses will be paid out one month after initial deposit contingent on funds remaining in place over the period. To redeem, simply reply to your onboarding welcome email with the promo code. You can get started here. -- Arc is a financial technology company, not a bank or an investment advisor. Banking services provided by Evolve Bank & Trust, Member FDIC. All investment advisory services provided by Helium Advisors LLC. Arc receives compensation as a percentage of assets managed by Helium for promoting Helium’s investment advisory services. Brokerage services provided by BNY Mellon Pershing, Member SIPC, through a clearing and custody partnership with Helium. Read additional disclosures here.

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3yr ago

Good

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3yr ago

Happycapy

@don_muir Congrats!

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3yr ago

Arc

Maker

@veronica_pachari thanks for your support

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3yr ago

Arc

Maker

@victoria_wu thank you very much 🙏

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3yr ago

Stickered - Powered by SnapKit

@don_muir 🚀

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3yr ago

Arc

Maker

📌

To summarize the key themes I'm seeing in these comments from everyone: trust & deposit safety, sufficient & flexible yield, timely customer support, automated processes, and bundled financial products. What other themes, or better yet specific financial products / features, do you want to see us prioritize?

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3yr ago

Lago

@nlombardo do you plan to launch in other geographies? I am sure there’s demand in Europe!

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3yr ago

Arc

Maker

@anhthochuong Yes - we want to make Arc available in Europe. We don't have a solid timeline to announce today, but it's something we're exploring and excited about.

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3yr ago

Lago

@nlombardo awesome! We will start testing you with out US entity and continue with the EU one when you launch ☺️🥳

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3yr ago

@nlombardo Seems like Arc is already a one-stop-shop for cash/capital. Would love to see what innovation looks like on the VC/equity side given that is such an important piece of the startup journey. How can you help founders make smarter decisions when it comes to raising capital in equity rounds? Have you thought about that?

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3yr ago

Arc

Maker

@dmirabile5 Great question. Given we bank startups and underwrite many of them for non-dilutive financing already, we're often close to our customers when they're thinking about raising equity rounds. Today, we haven't productized much on the equity side, but we tap into our VC investor network for introductions and provide advice around overall financing strategy. As we build out our community of startup banking (and increasingly VC banking) customers, there is more we'll look to productize.

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3yr ago

Arc

Maker

📌

It's hard to keep the subtle differences straight when it comes to fintech banking. A lot of the neobank differentiation is surface level - better service, better credit products, better rates... Arc nails all of that and leads to market in each of these areas (dedicated relationship managers, venture debt + working capital + ABLs..., highest yields on treasuries...). More transformational, however, and really bucking the trend in fintech is the focus on building this product atop too big to fail bank partners like BNY Mellon Pershing, and relentlessly growing that list. Lots to love about this solution! (disclosures: https://www.arc.tech/general-dis...)

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3yr ago

Arc

Maker

@basile_senesi1 well said

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3yr ago

@basile_senesi1 congrats on the launch!

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3yr ago

Arc

Maker

@sebhastien Thank you!

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3yr ago

@basile_senesi1 I agree it’s extremely hard to keep up with the subtle differences of the crowded space of fintech banking. So is Arc’s differentiator from said crowded space that you offer it all as opposed to one or 2 things really well? How are you selling this value to founders who aren’t financial/understand the value or may not need all of the value you offer? BNY Mellon 😬🙈 for a 2023 banking platform imshocked! I’m just going to assume some radical digital transformation happened with them - I used to work for Morningstar, MS built their systems around BNY, arguably the worst banking tech I’ve ever seen in my life most outdated processes in fact MS stopped doing business with them - it was that bad! just seeing their name associated with the future of banking made me do a double take 🤯 of shock lol I would never put future of banking and their bank in the same sentence (at least hope the people you’re talking to don’t have the insight I do on banking, BNY is like the antithesis of what you’re doing) it’s really hard to keep up with the saturation of this market, but I look forward to keeping an eye on how this fintech product solves your target markets problems!

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3yr ago

Arc

Maker

@ashleylivingagile our differentiator is that we offer the best and most diverse passive cash management solutions for startups. Like our competitors, we also offer a very elegant front end UI for day to day banking, but our Treasury solution is the difference maker. I know, BNY has come a long way, from a traditional offline bank to an API enabled player. We've been very grateful to partner with them to develop that further given the strength of their balance sheet and resilience!

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3yr ago

Startup School

🔌 Plugged in

Arc has become widely used and well-regarded in the YC Community, which has high standards for products like this. Many YC companies tell us they love Arc and have had a great experience. In the wake of the SVB & FRB collapses earlier this year, the startup world desperately needs high quality banking products designed for tech companies. Arc elegantly solves the issue of FDIC limits to ensure that your money can't ever be vulnerable to a bank run, while also bundling all the modern features you would expect from a banking product.

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3yr ago

Arc

Maker

@snowmaker we're proud to have built a product tailored for YC startups. Building is hard enough, cash management shouldn't be something founders have to lose sleep over. We believe in diversifying bank deposits without adding work - and there's no community more in tune with that message than YC!

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3yr ago

@snowmaker you're right about the startup world needing high quality banking products, which Arc provides. I hired someone from SVB while I was at Brex and he told me they were still using the same systems from when I was at SVB 10 years ago. Banks just aren't putting enough energy into what startups really need!

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3yr ago

Arc

Maker

@snowmaker thanks Jared - it’s our honor to serve the YC community

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3yr ago

Arc

Maker

@snowmaker Appreciate your support since day 1!

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3yr ago

Arc is absolutely a fantastic product. We use Arc at g2i.co and had a great experience. The process is transparent and you don't have to give away equity. What more could a founder ask for?

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3yr ago

Arc

Maker

@gabe_greenberg Thanks Gabe! We've loved having you as a customer. The non dilutive financing part is super relevant these days given the state of equity markets. You tell us: what should we build for you next??

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3yr ago

Arc

Maker

@gabe_greenberg we are proud to serve your extraordinary company 🚀 any other feature you’d like us to build next?

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3yr ago

Voxme: AI coach, insights, guidance

Great to see such innovative solutions for startups. Kudos to the Arc team! How do you ensure the security of financial transactions on your platform?

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3yr ago

Arc

Maker

@ricardo_luz In addition to Austin's points around strong bank partners, we've also invested heavily in platform security features to mitigate fraud, including KYB/KYC processes, multi-factor authentication, transaction monitoring & alerts, etc.

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3yr ago

Coatails

Excellent work here! Typically, FDIC insurance only covers up to $250k. Can y'all point me to the policy that allows the $5.25M of FDIC coverage that y'all are advertising?

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3yr ago

Arc

Maker

@evanwherchek Great question. Below are the details on the $5.25M and feel free to shoot me an email at nick (at) arc.tech and I'm happy to go into more detail! Up to $5.25M FDIC insurance eligibility reflects combination of up to $5M FDIC insurance eligibility available through bank deposit sweep products offered by BNY Pershing and up to $250K FDIC insurance eligibility available through account(s) with Evolve. As you noted, the standard FDIC insurance amount is $250K per company per bank. The yield-bearing bank sweep available on our platform via BNY Pershing automatically sweeps deposits across a network of 50+ FDIC-insured banks, including Goldman Sachs, JPMorgan Chase, and Citibank, which is what gets users the multiplier. (Disclosures: https://www.arc.tech/general-dis...)

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3yr ago

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Arc

Intelligent cash management & growth capital for businesses

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