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Request access

You make real money.
It should work
like real money.

ARCA brings your creator income, business expenses, taxes, and personal goals into one clear financial picture so you know what you can afford and have the documents to prove it.

The apartment. The house. Going full-time. Whatever’s next.

A light-filled apartment with a wide city view A modern coastal house framed by palm trees A creator packing product in a photo studio A laptop and notebook on a marble desk

Can I afford this $5K apartment?

ARCA

Yes, you can afford it.

4 income sources are combined, estimated taxes are accounted for, and your proof-of-income package is ready.

Your money comes
from everywhere.

Brand deals. Platform payouts. A paycheck. Your business. Money comes in from everywhere, and the important numbers live in different places.

ARCA keeps track of every payout and payment, then shows you what’s safe to spend after estimated taxes, expenses, and the goals you’re funding.

Coming in$49,130
Going out$19,850
Twitch+$8,420Creator payout
YouTube+$5,210Ad revenue
Cash App+$2,100Payments
Brand deal+$28,000Nike campaign
Your 9 to 5+$4,200Paycheck
DistroKid+$1,200Royalties
Management fee−$5,60020% management
Vendor payment−$1,850Production
Quarterly taxes−$12,400Q3 estimated
Safe to spendThrough Oct 18

$4,850

Taxes, expenses, and your active goals are already accounted for.

What do you want your money to make possible?

Examples are illustrative. Your answers would be based on the accounts and information you connect; they are not lending or rental approvals.

A light-filled apartment with a wide city view at golden hour

“Can I get a better apartment?”

It looks within reach.

ARCA can prepare the income summary and documents a landlord may ask for.

A modern coastal house with glass and travertine, framed by palm trees

“When can I buy a house?”

You could be ready by May 2027.

Add $1,200 a month to your down payment and you could get there two months sooner.

A laptop, notebook and floor plan on a marble desk

“When can I go full-time?”

You could be ready to go full‑time in about 3 months.

That would give you one year of personal expenses in reserve.

A creative studio with a cinema camera and natural light

“Where should I look for more money?”

There’s an estimated $18,000 in past brand work worth revisiting.

2 previous brand partners may be worth reconnecting with.

When your money changes,
your plan changes with it.

A payment lands. An expense changes. A deadline moves. ARCA updates what you can spend and what you can do next.

A modern coastal house with glass and travertine, framed by palm trees
Payment received

Nike paid $18,500.

Plan updated

$6,200 reserved for estimated taxes.

Your available cash is updated.

Next move

You can put $7,500 toward your down payment and still keep 3 months of business expenses in reserve.

ARCA keeps the money behind
your life organized and ready.

See what came in, what you owe, what’s safe to spend, and the documents you’ll need, all in one place.

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Cash flow

Know what’s
safe to spend.

Safe to spend$4,850

After estimated taxes, bills, business expenses, and goals.

Taxes

Stay ready
for taxes.

Tax reserve$6,200Set aside

Estimated taxes tracked and money set aside.

Money owed

See who
still owes you.

NNike$18,50012 days overdueFollow-up ready
SSephora$7,200Due Friday
SSpotify$9,000Paid

Payments tracked. Follow-ups ready.

Readiness

Your income,
ready to prove.

Income packageCPA reviewedReady to share

A CPA-reviewed income package, ready when a landlord or lender asks.

Books

Your books,
kept current.

Twitch+ $8,420
Brand deal+ $28,000
Vendor− $1,850

Income and expenses organized as they happen.

Opportunities

Past brands
worth revisiting.

NNikeWorked together 8 months agoReach out again
SSephoraLast campaign 11 months ago
SSpotifyWorked together last year

See who you haven’t worked with recently.

Your financial information stays
private and under your control.

Read-only connections

ARCA cannot move money or make changes in your accounts.

Connect only what you choose

Add or disconnect accounts whenever you want.

Protected in transit and at rest

Your information is encrypted using industry-standard safeguards.

Clear use of your data

ARCA uses your information to provide your financial picture, not to sell it.

ARCA uses Plaid to securely connect the accounts you choose. How ARCA protects your information

Questions, answered.

How ARCA works, what you share, and how we help you get ready for what’s next.

ARCA is a financial platform built for creators. It brings your creator income, business expenses, estimated taxes, personal finances, and goals into one clear financial picture.

ARCA helps you understand what’s safe to spend, prepare financial documents, track money you’re owed, and plan what comes next.

No. You can request access and receive an initial estimate without connecting a financial account.

ARCA begins by asking a few questions about your goal and a rough picture of your finances. If you later choose to use ARCA, you decide which accounts and information to connect.

ARCA organizes your creator payouts, brand income, business revenue, expenses, tax records, and supporting documents into one clear income package.

ARCA’s CPA partner reviews the package and signs off when it is ready, giving you credible documentation that clearly explains how you earn.

ARCA helps creators prepare for a mortgage by organizing their financial picture, identifying what may be holding them back, and preparing the income documents lenders commonly request.

When you are ready to apply, you can review and send your income package to an ARCA mortgage-broker partner with deep experience working with creator income. Your financial information moves with you, so you do not have to rebuild or explain everything from the beginning.

ARCA helps you prepare but does not make lending decisions or guarantee approval.

Yes. Human expertise is integrated into the ARCA experience.

Depending on what you need, you can work with ARCA’s CPA, mortgage-broker, or creator-business-management partners. A business manager can provide hands-on support and coordinate other appropriate professional services.

Partner services may be provided under separate terms and involve additional fees. You choose when a partner becomes involved and approve the information being shared.

ARCA’s account connections are read-only. ARCA cannot transfer money or make changes inside your connected accounts.

You control which accounts and information ARCA can access and can disconnect an account whenever you want. Financial information is encrypted in transit and at rest. ARCA uses your information to provide your financial experience, not to sell it.

Nothing is shared with a professional partner unless you choose to involve that partner and approve the information being shared.

Learn how ARCA protects your information

ARCA is currently welcoming creators intentionally, so we can provide a high level of personal support and build around the ways creators actually earn, spend, and plan.

Request access and tell us what you want your money to make possible. We’ll review what you share and follow up with the next steps if ARCA is a fit.

Still have a question? Talk to us

What do you want next?

Tell ARCA what you want. We’ll figure out the money.

Request access

Answer a few questions about how you earn. No account connections required yet.