Foundational Capital

Helping B2B companies achieve what's next

Tap down arrow or scroll to continue

Reliable, flexible, and transparent working capital solutions for growing businesses. Arch is your credit partner that enables you to act on tomorrow's opportunities.

Start the Conversation

Propelling business forward through disciplined, creative credit.

Arch empowers partners to deliver flexible, revolving lines of credit backed by accounts receivable, inventory, and other business assets — combining seasoned capital with modern agility to help their clients grow without compromise.

energy sector

Powering progress with flexible working capital

data & infrastructure

Built to finance what powers modern infrastructure

business services

Flexible funding for businesses built on execution

construction

Capital that keeps every project moving

manufacturing

Capital built for production and scale

consumer goods

Financing momentum for modern consumer brands

Helping 60+ industries scale with confidence.

Why Arch

Focused Expertise

We do one thing extremely well: asset-based revolving credit facilities against AR, inventory, and other tangible assets.

True Partnership

We look for reasons to say yes. Every relationship is built on transparency, trust, and shared growth.

Scale & Flexibility

Future-proof and scalable capital that supports your business journey, both today and tomorrow.

Finding Comfort in Complexity

No business is created equal and no story is the same. We believe opportunity often stems from complicated challenges.

Proven Stability

Arch is supported by a stable capital base and a management team and board that's weathered recessions, bank failures, pandemics and tough market cycles.

Arch has proven to be a refreshing change from the typical financing experience.

"They’ve been proactive, transparent, and highly responsive, always focused on creating solutions that actually fit the realities of running a growth-stage company."

– Josh S.

Founder, Retail-Focused Dental Care Brand

Capital Solutions

We structure working-capital facilities designed to keep your business moving, whether you need to unlock cash from receivables or leverage inventory for growth.

Get Started

Invoice Financing Facility

AR Credit Facilities

Unlock fast cash from your outstanding invoices.

Facility Sizing

$100K to $5 Million

Advance rates

Up to 95% of eligible accounts receivable

Pricing

Starting at 1.00% monthly

Collateral

Accounts receivable from B2B customers; complex payment terms such as milestone and progress-based billing accepted

Best for

Service, staffing, and manufacturing companies managing longer payment terms

Asset-Based Revolving Credit Facility

Revolving Facilities

Leverage AR and inventory to fund ongoing growth.

Facility Sizing

$1.5 to $15 Million

Advance rates

Up to 95% of eligible accounts receivable, 85% of inventory, and 60% of purchase orders, among other assets like equipment or real estate

Pricing

Customary market pricing from the private credit sector, typically an interest rate "in the low teens" pegged to WSJ Prime/SOFR

Collateral

Verified accounts receivable, purchase orders, inventory, equipment, and real estate

Best for

Growth-stage or seasonal businesses with ongoing capital needs

30+ years of experience. Unwavering through recessions, collapses, and COVID.

MANAGEMENT TEAM

Ryan Ridgway

Co-Founder, Managing Partner

With $900M+ in career financings, Ryan is an expert in facilitating credit for SMB's, scaleups and lower-middle market co's. Ryan has founded 3 ventures himself, raising over $20M in aggregate credit and equity, has advised over 10 FinTechs and made investments as an LP or angel to over 50 startups. Ryan enjoys traveling and spends a few months each year in Colombia with his family.

Jacob Gonzalez

Co-Founder, Managing Partner

Jacob is a seasoned finance professional with experience in investment banking, private equity, and corporate development with ~$1B in career financings and M&A. He's been on the ground floor at early-stage startups and has raised over $50M in credit facilities for specialty finance co's. Jacob holds a Bachelor's Degree from Cornell and Series 63 and 79 licenses.

Helping B2B companies achieve what's next

Propelling business forward through disciplined, creative credit.

energy sector

data & infrastructure

business services

construction

manufacturing

consumer goods

Why Arch

Focused Expertise

True Partnership

Scale & Flexibility

Finding Comfort in Complexity

Proven Stability

Capital Solutions

Invoice Financing Facility

Asset-Based Revolving Credit Facility

30+ years of experience. Unwavering through recessions, collapses, and COVID.

MANAGEMENT TEAM

Ryan Ridgway

Jacob Gonzalez

Ready to grow on solid ground?