Business cash management
Manage money from a secure dashboard with wires, ACH, card issuance, and account controls designed for business operations.
Arc
ReivindicarArc is a financial technology platform for startups and venture-backed businesses, combining cash management, treasury, control accounts, debt financing, and AI finance tools.
Unified cash management and finance platform
Arc is a financial technology platform for technology companies that combines business banking-style cash management, treasury, control accounts, debt financing, and AI-assisted finance tools in one place. The product is positioned for startups and venture-backed businesses that want to manage operating cash, earn yield on idle funds, and coordinate financing from the same system.
The site describes separate workflows for Business accounts, Treasury accounts, Control / DACA accounts, CFO Agent, and Debt Raise. Business accounts handle day-to-day payments and card spend, Treasury is for idle cash and investment options, DACA helps meet lender compliance requirements, CFO Agent analyzes transaction data, and Debt Raise helps businesses source and close financing with lender support.
Core capabilities
Treasury yield management
Place idle cash into Arc Treasury to access investment options such as money market funds, Treasury bills, and mutual funds, with daily liquidity described on the home page.
Control / DACA account
Use a control account structure for lender compliance and DACA requirements, including in-app controls, automated alerts, and simple setup.
CFO Agent automation
Automate financial analysis with CFO Agent, Archie, which ingests transaction data and produces real-time analysis, anomaly detection, and scheduled reporting.
Debt raise support
Source debt financing through Arc’s Debt Raise workflow, which connects businesses to a 200+ lender network and Arc’s capital markets team.
Security and support controls
Protect access and approvals with organization-wide MFA, granular employee permissions, dedicated relationship support, and account-level controls.
Common ways teams use Arc
Handle day-to-day business payments
Run payroll, pay vendors, reimburse employees, and send ACH or wire transfers from a single operating account.
Manage idle cash with yield
Move idle balances into Treasury to pursue yield through bank sweep programs and investment options while keeping cash available as needed.
Support borrowing and covenant compliance
Set up a control account to satisfy lender compliance requirements, monitor balances, and receive alerts tied to DACA workflows.
Automate finance analysis and reporting
Have CFO Agent analyze transactions, flag anomalies, and generate scheduled reports for finance reviews.
Source debt capital faster
Use Arc’s capital-raising workflow to connect with lenders and the capital markets team when seeking debt financing.
Pros and Cons
Pros
- Combines operating accounts, treasury, compliance workflows, financing, and analysis in one platform.
- Offers business payments features such as ACH, wires, cards, recurring transfers, and controls.
- Provides treasury options with daily liquidity and multiple investment choices for idle cash.
- Supports lender compliance workflows with DACA controls and alerts.
- Includes AI-driven reporting and anomaly detection through CFO Agent.
- Shows clear support paths, including a dedicated relationship manager and human support channels.
Cons
- Some capabilities are tiered, and the pricing page indicates Premium and Enterprise add features beyond Essentials.
- Treasury accounts include a standard monthly asset-based fee, and additional fees may apply according to the disclosures referenced on the site.
- The site does not publish integration partners or a full integrations list on the pages reviewed.
FAQ
Is Arc a bank?
Arc is a financial technology company, not a bank. Its Business, Wallet, and Reserve accounts are provided by Stripe Payments Company with funds held at Fifth Third Bank, Member FDIC, while Treasury accounts use Arc Advisory LLC and partner brokerage and custodial services described in Arc’s disclosures.
How long does account setup take?
The business-account page says most applicants can expect a decision within one to three business days. The DACA page says accounts are typically opened in under 24 hours after onboarding.
Are there minimums or usage-based fees?
No. The business-account page says there are no account opening, minimum balance, or usage-based fees on Business accounts. The pricing page also says Arc offers all of the cash-management experience without minimums and usage-based fees, though Treasury and premium features can have their own fees.
What is the difference between Business and Treasury accounts?
Arc’s Business account is for day-to-day operations such as sending ACH and wires, issuing cards, and managing controls. Its Treasury account is for idle cash, with yield-oriented investment options and bank sweep programs.
What plans does Arc offer?
The pricing page shows Essentials, Premium, and Enterprise tiers. Premium adds items such as unlimited access to CFO Agent, reduced Debt Marketplace fees, and a waived Control Account (DACA) fee, while Enterprise adds custom pricing and customized implementation support.
Quick Facts
- Category
- Financial services platform
- Primary users
- Technology companies, startups, and venture-backed businesses
- Source domain
- joinarc.com
- Platform scope
- Business accounts, Treasury, Control / DACA, CFO Agent, and Debt Raise
- Pricing structure
- Essentials, Premium, and Enterprise tiers are shown on the pricing page
- Account setup
- Online onboarding with account approval typically in one to three business days
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