Your Creator Financial Home

Know your numbers.
Grow your business.

ARCA brings every revenue stream into one dashboard. Platform payouts, brand deals, bank accounts, subscriptions, all of it. See where your money comes from, where it goes, and unlock financing sized to what you actually earn.

What your ARCA dashboard shows you
Revenue tracked
All platforms
Every stream, one view
Updated
Daily
Real-time revenue data
Reports
Tax-ready,
exportable
P&L, expenses, deductions
Capital available
Up to $100K
Funded in 48 hrs
Read-only platform connections. Bank connections encrypted via Plaid. ARCA sees your revenue. We never move or modify your funds.
Sound familiar
The brand deal is signed. The check won't clear for 60 days.
ARCA gives you visibility into your full revenue picture. When you need to bridge the gap, unlock financing sized to your historical earnings and repay as you earn.
Every creator, always
Your editor invoice is due now. Your AdSense pays out on the 21st.
Your ARCA dashboard tracks every payout date across platforms and bank accounts. When cash flow is tight, access financing that repays as a percentage of income, not a fixed bill on the 1st.
Every month
You make more than most people you know. Your bank still treats you like a risk.
ARCA underwrites on your actual platform and bank data. Not credit scores. Not W-2s. Not a banker who doesn't understand what you do. Your numbers speak for themselves.
The whole system
Your digital CFO

Financial clarity for creators who run real businesses.

ARCA aggregates your revenue, connects your bank accounts, organizes your finances, and gives you access to capital. All in one place. No spreadsheets. No guesswork.

All
Your platforms, banks, and brand deals. One dashboard.
0
Spreadsheets needed. Tax-ready reports, generated automatically.
$100K
Financing available. Sized to your revenue, accessed on your terms.
How it works

Connect. See your numbers. Get financing when you're ready.

Three steps. No paperwork. No credit check. No explaining your business to someone who doesn't get it.

01
Connect your platforms and bank accounts
YouTube, Twitch, Patreon, Stripe, TikTok, Instagram, Substack, Spotify for Podcasters, and more. Connect your bank accounts via Plaid. Log brand deals manually. The more you connect, the more complete your financial picture.
Read-only access. Your accounts stay yours.
02
See your full financial picture
Your dashboard shows daily revenue, cash flow forecasts, income stability, platform breakdowns, and tax-ready reports. Know exactly where you stand, every day.
03
Access financing when you need it
When you're ready, unlock financing sized to your verified earnings history. $5K to $100K. One flat fee. Repayment scales with your revenue. Slow month, smaller payment. No penalties. No surprises.
Why revenue share, not a loan
No fixed payments
Repayment scales with what you make. A quiet month means less comes out — automatically.
No equity
You built the audience. You keep ownership of it. ARCA takes no stake in your content or channel.
No bank logic
Underwritten on actual platform earnings — not W-2s, not a credit score, not a job title a banker recognizes.
Self-correcting
Repayment is tied to income, not a calendar. The model adjusts to your business naturally.
Grows with you
The longer you're on ARCA, the more capital you can access. Your track record works in your favor.
The dashboard

Everything your accountant needs. Already organized.

ARCA automatically categorizes income and expenses, generates P&L statements, flags deductions, and tracks vendor payments. Your CPA gets clean data. You get time back.

Built into your ARCA membership. Your digital CFO.

Every ARCA member gets a financial dashboard that tracks revenue across all connected platforms and bank accounts, forecasts cash flow 30/60/90 days out, organizes expenses, and manages vendor compliance. No financing required to use it.

●Daily digest: yesterday's revenue, 7-day rolling total, next expected payout
●Cash flow forecast: 30/60/90-day projected balance based on your history and known expenses
●Expense tracking with auto-import from connected banks and deduction flagging
●Vendor management: W-9 requests, contractor payments, IRS compliance
1% of platform-managed revenue. No subscription. No charges in slow months. The full platform, funded by your earnings.
Frequently asked

Common questions.

Is ARCA a loan?
No. ARCA offers revenue-share financing, not loans. There's no interest rate, no fixed monthly payment, and no credit check. You repay a percentage of your income as it comes in. If revenue slows, repayment slows. No penalty for that.
What is the 1% fee?
ARCA members contribute 1% of their total platform-managed revenue, the revenue ARCA tracks and organizes across your connected accounts. This funds your full ARCA membership: dashboard, cash flow forecasting, accountant-ready reports, vendor management, and capital access. It only applies when revenue is flowing. No charges in slow months. No monthly subscription.
Do I have to take financing to use ARCA?
No. The dashboard and financial tools are available to all ARCA members whether or not you take financing. Many creators use ARCA purely for financial visibility. The financing is there when you need it.
What platforms can I connect?
YouTube, Twitch, Patreon, Stripe, TikTok, Instagram, Substack, Spotify for Podcasters, Beehiiv, Gumroad, Ko-fi, and more. You can also connect your bank accounts via Plaid and manually log brand deals and sponsorship income. We add new platform integrations regularly as creators request them.
How is my financing amount determined?
Your eligible amount is based entirely on your verified historical revenue across connected platforms and bank accounts. No credit score, no bank statements, no pitch required. Connect your accounts, ARCA builds your financial profile, and your offer is calculated from there.
How does repayment work?
ARCA takes a fixed percentage of your income, typically 10-20%, until the financing plus a one-time flat fee is repaid. No compounding interest. If you have a slow month, your repayment is smaller. You get an SMS notification before every sweep. No surprises.
How much can I access?
Financing currently ranges from $5,000 to $100,000, depending on your income profile. We are in private beta. Limits will expand as we grow.
Who is ARCA for?
ARCA is built for full-time content creators earning $100K to $1M per year from a combination of platform revenue, brand deals, subscriptions, and community income. If you are running a real creator business and need financial clarity or capital to grow it, ARCA was built for you.
Private beta · Limited spots

See what your finances actually look like. Apply for early access.

ARCA is in private beta with a founding cohort of full-time creators earning $100K+ annually. Every beta member gets a 30-minute 1:1 financial review with the ARCA team.

Apply for Early Access Learn more