Foundational Capital

Helping Ambitious 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

Facility terms, sizing, eligibility, and pricing are indicative and subject to underwriting, collateral quality, and transaction structure.

Invoice Financing Facility

Direct funded

AR Credit Facilities

Convert outstanding invoices into immediate working capital without waiting for customers to pay.

Facility sizing

$100K to $5mm

Pricing

Starting at 1.00% monthly

Best for

B2B businesses with creditworthy customers and extended payment terms.

FlexBridge

Direct funded

Revenue-Secured Facilities

Access flexible working capital supported by future revenue, without relying on traditional asset collateral.

Facility sizing

$50K to $500K

Pricing

Typically 1.25% to 2.50% monthly

Best for

Established, revenue-generating businesses seeking growth capital without traditional collateral requirements.

Purchase Order Financing

Co-funded

Purchase Order Facilities

Fund supplier and production costs to fulfill confirmed customer orders without straining cash flow.

Facility sizing

$50K to $2.5mm

Pricing

Starting at 1.00% monthly

Best for

Importers, wholesalers, and distributors fulfilling large, confirmed customer orders.

Inventory Financing

Co-funded

Inventory-Secured Facilities

Access working capital against eligible inventory to support purchasing, replenishment, and growth.

Facility sizing

$50K to $5mm

Pricing

Starting at 1.00% monthly

Best for

Wholesalers, manufacturers, and distributors with consistent inventory turnover.

Asset-Based Revolving Facility

Co-funded

Revolving Credit Facilities

Unlock revolving capital against receivables, inventory, and other eligible business assets.

Facility sizing

$1.5mm to $15mm

Pricing

Typically in the low teens annually, based on Prime or SOFR

Best for

Growing, asset-rich businesses with recurring working 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.

Helping Ambitious 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

FlexBridge

Purchase Order Financing

Inventory Financing

Asset-Based Revolving Facility

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

MANAGEMENT TEAM

Ryan Ridgway

Ready to grow on solid ground?