💡 Pick it for broader online startup banking and payments before you need Arc's financing focus.
Mercury is a comprehensive project management software that helps teams collaborate and track progress effectively.
$29.99/month
Best JoinArc.com Alternatives ranked by AI · updated Aug 2026
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Arc is a financial platform for venture-backed startups that combines business banking, treasury management, and access to venture debt. It is designed for founders and finance teams managing startup cash and financing needs.
Developer: Arc Technologies, Inc.
Price: Free to apply; financing and treasury pricing varies
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Top 6 JoinArc.com alternatives
💡 Pick it when controlling employee spending and corporate cards matters more than venture financing.
Brex is a corporate card and financial services platform for startups. It offers rewards, expense management, and credit limits tailored for startups.
💡 Pick it for automated spend management, bill pay, and procurement rather than startup debt access.
Ramp is a spend-management platform for businesses that combines corporate cards, bill payments, expense management, procurement, and accounting automation. It is aimed...
Pros
- Adds corporate cards, expenses, procurement, and travel to AP workflows
- Stronger spend controls and real-time policy enforcement than Melio
- Automates receipt collection and accounting categorization
Cons
- More complex to configure than Melio for straightforward bill payments
- Best value often requires adopting its broader spend platform
- Eligibility and underwriting may limit access for some small businesses
Free core plan; paid plans from $15/user/month
4
First Citizens Bank
First Citizens Bank
💡 Pick it for a traditional commercial-bank relationship and broader lending capabilities.
First Citizens Bank provides commercial banking, treasury management, lending, and wealth services, including offerings for technology and venture-backed companies. It suits businesses...
Pros
- Offers traditional banking and lending relationships at larger scale
- Provides more established commercial and treasury services than Arc
- Can support companies with complex credit and cash-management needs
Cons
- Less startup-native and less self-serve than Arc
- Account opening and underwriting can take longer
- Pricing is less transparent than digital-first providers
5
Stripe Treasury
Stripe, Inc.
💡 Pick it if you are building embedded financial accounts instead of managing your own startup treasury.
Stripe Treasury provides embedded financial-account and money-movement infrastructure that platforms can offer to their own users. It is intended for software companies...
Pros
- Powerful APIs for embedding accounts and money movement into software
- Integrates naturally with Stripe payments and connected-account products
- More flexible for platforms than Arc's direct banking model
Cons
- Developer infrastructure rather than a ready-to-use startup banking service
- Requires engineering resources and compliance implementation
- Does not directly provide Arc-style venture debt
Custom pricing
6
Novo
Novo
💡 Pick it for simple, low-cost online business banking when you do not need venture debt.
Novo is an online business checking account for freelancers, entrepreneurs, and small businesses. It focuses on fee-light banking with invoicing, payment processing,...
Pros
- No monthly fee for its core business checking account
- Useful integrations with Stripe, Shopify, QuickBooks, and Xero
- Simple application and mobile-first account management
Cons
- Fewer built-in tax and bookkeeping features than Lili
- Cash deposits are less convenient than at traditional banks
- Limited support for complex team permissions
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