Non-dilutive infrastructure lending

Built for scale.
Backed by
compute.

We pay your AWS and GCP reserved-instance bills upfront. You repay from daily revenue — no equity, no personal guarantees, no refinancing cliffs.

Apply for capitalHow it works
$0
Equity taken
48h
Underwriting decision
100%
Reserved-instance discount kept by you
Daily
Revenue-aligned repayment
How it worksThree steps
01

Connect your cloud

Link your AWS or GCP account. We verify your reserved-instance utilization and pull 90 days of spend data. Underwriting takes under 48 hours.

02

Receive your facility

We pay your reserved-instance commitment upfront — months or years ahead. You keep the full discount. The compute lease is the collateral; no equity, no personal guarantees.

03

Repay from revenue

A fixed daily micro-percentage is deducted from your Stripe-verified revenue. As revenue grows, principal clears faster. No lump-sum balloon, no refinancing cliff.

Why ArcaStructurally different from venture debt
No equity

You keep every basis point of ownership. We earn on the spread between warehouse capital and the rate we charge you.

No personal guarantee

Collateral is the compute lease itself — your reserved capacity on AWS or GCP. If you default, we hold the compute, not your personal assets.

Real-time monitoring

Stripe integration tracks revenue daily. Repayment adjusts to your actual throughput — slow weeks reduce the deduction automatically.

Transparent pricing

One rate. No origination fee kickers, no equity warrants, no hidden prepayment penalties. You see the full cost before signing.

Who qualifiesSeed to Series A

Criteria

Cloud spend$10K – $100K / month on AWS or GCP
RevenueRecurring B2B SaaS or inference revenue, verifiable via Stripe
StageSeed to Series A
TeamTechnical founders who understand reserved-instance trade-offs
GeographyGlobal — same terms regardless of jurisdiction

Not the right fit

×Pre-revenue startups without verifiable recurring income
×Consumer apps with unpredictable or irregular revenue patterns
×Companies without a Stripe-connected or equivalent verifiable revenue stream
×Teams not yet running AWS or GCP reserved instances

Currently accepting pilot customers from YC, Pioneer, and Entrepreneur First batches globally. If you are spending on cloud and growing recurring revenue, we want to hear from you.

PricingTransparent. No equity kickers.
Facility size
Matched to cloud spend

Sized to your committed reservation value

Rate
Fixed spread

Disclosed before signing. No hidden fees. Pilot pricing available.

Repayment
Daily revenue deduction

A micro-percentage of Stripe-verified revenue, every day until the facility clears

Apply for capital

Stop burning equity
to pay cloud bills.

We are currently onboarding pilot customers. If your team is spending on AWS or GCP and generating recurring revenue, join the waitlist and we will be in touch within 48 hours.

YC, Pioneer, and EF batch founders get priority access
Zero-default pilot track record is our proof point
Founding terms available for first 20 customers