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Arc Labs

Arc Labs is a private credit fund based in San Francisco that provides debt capital to venture-backed fintech lending startups. The firm specializes in offering senior secured revolving credit facilities and term loans, primarily targeting early-stage companies in the fintech sector.

Website
arclabs.co
Founded
2018
Recorded stages
Pre Seed, Seed
Focus sectors
Fintech, Healthcare, SaaS
Recorded regions
United States, Latam

Online destinations

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Official links

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Overview

Arc Labs is a private credit fund founded in 2018 and headquartered in San Francisco, California. The firm focuses on providing senior secured revolving credit facilities and term loans, typically ranging from $2-10M, to venture-backed fintech lending startups and tech-enabled lending companies. Arc Labs aims to fill the funding gap for innovative companies that are scaling their origination volumes but are underserved by traditional financial institutions. The firm partners with founders at the pre-seed stage, offering both equity and debt capital, along with support in credit structuring, underwriting, and loan servicing. With a total of $17.45M raised through its fund vehicle, Arc Labs Opportunities Fund I, the firm has established a strong presence in the fintech lending space, particularly in the U.S. and Latin America.

Focus

Arc Labs primarily operates as a specialist credit fund for fintech lending platforms, providing essential debt financing to help startups scale their loan origination volumes. The firm targets companies with less than $10M EBITDA, focusing on those that serve underbanked and underserved borrower segments, particularly in the U.S. and Latin America.

Support

Arc Labs adds value to its portfolio companies by providing not only capital but also strategic support in credit structuring, underwriting, loan servicing, and customer acquisition. This hands-on approach helps founders professionalize their lending operations and scale effectively.

Questions

What are Arc Labs' investment criteria?

Arc Labs primarily invests in fintech lending startups that serve underbanked and underserved borrower segments. They focus on companies with less than $10 million in EBITDA and typically provide debt financing ranging from $2 million to $10 million.

How can I pitch to Arc Labs?

Founders interested in pitching to Arc Labs should visit their website at arclabs.co. The firm prefers warm introductions for pitches.

What makes Arc Labs different from traditional VCs?

Unlike traditional venture capital firms, Arc Labs specializes in providing debt capital rather than equity financing. They focus on early-stage fintech lending startups and offer hands-on support in credit structuring and customer acquisition.

What is the geographic focus of Arc Labs?

Arc Labs primarily invests in the United States and Latin America, with a notable concentration on fintech lending companies in these regions.

What is the typical decision timeline for investments?

The decision timeline for investments is rolling, but specific timelines are not disclosed. Founders should expect to engage in discussions and provide necessary documentation as part of the evaluation process.

What type of support does Arc Labs provide post-investment?

Arc Labs offers strategic support in credit structuring, underwriting, loan servicing, and customer acquisition to help portfolio companies scale effectively.

Check your startup’s fit

Check your startup’s fit with Arc Labs

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