Arc Review, Pricing & Features

Arc offers cash management, competitive yield, debt capital, and AI-powered treasury tools for technology and growth companies.

Category
Payments
Pricing
Free plan + paid membership tiers, from Free (Essentials plan, no membership fee)
Verified
Not yet
Last updated
July 18, 2026
Founded
2021
Headquarters
San Francisco, California
Free PlanWeb AppAIFreemium

Overview

Arc is a financial platform built specifically for technology and growth-stage companies, combining cash management, yield, debt capital access, and AI-powered finance tools in one dashboard.

Founded in 2021 by Don Muir and Nick Lombardo and headquartered in San Francisco, Arc has raised roughly $180 million from investors including Y Combinator and Bain Capital Ventures. In July 2026, Axos Financial announced a definitive agreement to acquire Arc Technologies.

Key Features

Arc provides cash management and treasury tools with yield on idle balances, a corporate card with cashback rewards, and a Debt Marketplace for raising venture debt and other growth capital.

The platform also includes Archie, an AI CFO agent that assists with financial analysis, and brokerage services are included across all membership tiers.

Pricing

Arc offers three tiers: Essentials, which carries no membership fee and provides core cash management, treasury, spend, and support features; Premium, a paid annual membership with higher yield, a dedicated relationship manager, and unlimited access to Archie; and Enterprise, with custom pricing, dedicated support, and tailored feature builds available through sales.

Key Features

Pros & Cons

Pros

  • Free-to-join Essentials tier with no membership fee
  • Yield-bearing cash management built specifically for startups
  • Integrated debt-raising marketplace alongside banking tools
  • AI CFO agent (Archie) included for financial analysis

Cons

  • Higher yield and premium features are gated behind paid annual membership tiers
  • Enterprise pricing requires contacting sales rather than being published
  • The company is in the process of being acquired by Axos Financial, which could affect the product roadmap

Pricing

Frequently Asked Questions

What is Arc?

Arc is a financial platform for technology and growth companies offering cash management, yield, debt capital access, and AI-powered treasury tools.

Is there a free plan?

Yes, the Essentials tier carries no membership fee and includes core cash management, treasury, spend, and support features.

Is Arc being acquired?

Yes. In July 2026, Axos Financial announced a definitive agreement to acquire Arc Technologies.

Who is Arc for?

Founders, finance teams, and CFOs at venture-backed startups and growth companies.

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