Term loans and lines.One book, one ledger.
Underwrite businesses on cash flow and bureau data, then service amortizing term loans and revolving lines side by side, with draws, collateral and guarantors on the same record.
Book a demoDraws, budgets and rules,on the same record as the loan.
Advances & settlements
Every draw and repayment against the line, with autopay pulling the minimum on the due date.
| Date | Type | Amount | Used after |
|---|---|---|---|
| Oct 2 | Draw · Operating ••4410 | $40,000.00 | $212,400 |
| Oct 1 | Autopay · min. payment | −$4,104.00 | $172,400 |
| Sep 12 | Draw · Operating ••4410 | $60,000.00 | $176,504 |
New draw
See what’s left on the line before funds go out.
Budgets & draws
Fund construction line by line.
Write your credit policy in a sentence.
ARC builds the decision tree as a draft, reusing variables you already have.
Approve when DSCR is at least 1.25 and the business is 2+ years old. Otherwise send to review.
Every lens on the business,in one credit file.
Cash flow, commercial bureau, trade payment history and entity verification are pulled into one file and scored by your rules. Underwriters see the DSCR and the evidence behind it, not five browser tabs.
The schedule, the collateral,and who stands behind it.
Amortization, collateral with loan-to-value and guarantors sit on the loan itself. When a borrower needs room, re-amortize or reschedule from the same screen.
| # | Due | Payment | Principal | Interest | Balance |
|---|---|---|---|---|---|
| 1 | Nov 1, 2026 | $15,751.40 | $9,813.90 | $5,937.50 | $740,186.10 |
| 2 | Dec 1, 2026 | $15,751.40 | $9,891.59 | $5,859.81 | $730,294.51 |
| 3 | Jan 1, 2027 | $15,751.40 | $9,969.90 | $5,781.50 | $720,324.61 |
Yes. Amortizing term loans and revolving lines of credit run side by side in the same servicing ledger, each with its own schedule, autopay and payment history, so one business can hold both under one record.
