Portfolio

We believe that technology has created an explosion of new loan products and business models that are difficult for traditional institutional lenders to underwrite. Arc was founded to provide creative debt capital to finance innovative new products and businesses that are outside the scope of the banking system. As investors, we recognize the unique challenges that early-stage founders face in obtaining a flexible debt solution that is tailored to the needs of their business. We provide hands-on operational support in credit structuring, underwriting, risk management and loan servicing.

Aspire Financial

Aspire is a technology company focused on providing affordable loans to the 65 million small businesses in Southeast Asia.
**Founders:** Andrea Baronchelli, Giovanni Casinelli
**Based in:** Singapore

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PayJoy

PayJoy provides pay-as-you-go smartphone financing to consumers who otherwise could not afford it via a proprietary locking software.
**Founders:** Doug Ricket, Gib Lopez, Mark Heynen, Tom Ricket
**Based in:** San Francisco

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Creze

Creze is a technology-enabled lender that focuses on providing working capital loans to underbanked small and medium-sized businesses in Mexico.
**Founders:** Diego Creel & Gonzalo Cegarra
**Based in:** Mexico City, Mexico

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Klar

Klar is a Mexico City-based startup that wants to democratize banking services in Mexico. The company’s ultimate goal is to offer Mexicans an alternative to traditional credit cards and debit services.
**Founders:** Stefan Moller, Daniel Autrique
**Based in:** Mexico City, Mexico

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“This new funding line...will allow us to continue to grow as leaders in financial innovation for SMEs, which are, and will continue to be, the engine of the Mexican economy.”

— Gonzalo Cegarra, CEO of Creze

“As an early stage lender, Camino benefited from insights offered by Arc partners on adopting the appropriate reporting standards and best risk management practices. These insights have proven to be very valuable as we planned to raise capital from larger institutional investors in the future.”

— Sean Salas, CEO of Camino Financial

“Our partnership with Arc Labs signaled to Camino investors our ability to grow rapidly with institutional lending partners, resulting in the raise of $2 million in equity.”

— Sean Salas, CEO of Camino Financial

“Fundraising is truly one of the hardest aspects of our business. You need to find the right investor, and that is often not only one who is comfortable with our metrics... but also one that shares the company’s mission. We found that partner in Arc Labs and hope we can continue growing together and creating synergies for many years.”

— Mauricio Cordero, General Manager, PayJoy Latin America