Arc Labs

Arc Labs is an early-stage credit fund based in San Francisco, focused on providing debt capital to innovative technology-enabled startups. The firm specializes in offering senior secured revolving credit facilities and term loans, typically ranging from $2 million to $10 million, to venture-backed companies in need of their first institutional credit facility. Arc Labs partners with founders in the pre-seed stage, offering both equity and debt capital, along with support in areas such as credit structuring, underwriting, loan servicing, and customer acquisition.

The firm's investment strategy centers on debt financing for tech-enabled lending startups, asset-based financing solutions to consumer and B2B software companies, and special situations lending to private B2B SaaS companies with less than $10 million in EBITDA. Arc Labs has a flexible approach in structuring bespoke solutions that meet the unique needs of early-stage lending startups. The firm has closed more than 15 debt facilities with 10 companies across North America, Latin America, and Asia, providing over $45 million in aggregate loan volume to its portfolio companies.

Arc Labs recognizes the unique capital needs of technology founders in the earliest days of scaling their businesses. The firm provides flexible institutional facilities that can meet these needs and focuses on originating smaller deal sizes to close quickly and cost-efficiently. With deep relationships with venture capital funds and larger credit funds, Arc Labs actively helps founders develop a long-term capital markets funding roadmap. The firm's portfolio includes both venture-funded and bootstrapped companies, with a particular focus on early-stage (Seed/Series A) investments in venture-backed startups.