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Sherman Oaks, CA

Scaling operations to expand access to credit through personalized tools and financial education.

• Innovative technology: Combines AI-driven insights and gamified financial education to improve credit access.
• Strong growth: Achieved 5x monthly revenue growth and 21% month-over-month user growth in 2024.
• Social impact: Focused on democratizing financial freedom for underserved communities.
• Proven traction: $1.3M run rate with 1,500+ five-star app reviews and 250k+ lessons completed.
• Expanding partnerships: Positioned to integrate solutions into banks and businesses for greater impact.

Arro Finance is revolutionizing access to credit by providing consumers with a unique combination of gamified financial education and personalized credit-building tools. The company addresses the barriers faced by millions of Americans locked out of mainstream credit systems, including gig workers, college students, and immigrants. Arro’s innovative platform offers manageable starting credit lines and an AI-powered financial coach, Artie, to help users build financial confidence and develop healthier money habits. The proprietary Arro Score leverages real-time behavioral data to assess creditworthiness more effectively than traditional metrics like FICO, empowering individuals to achieve financial independence while offering institutions new opportunities for responsible credit expansion.

This fundraising effort supports Arro Finance’s mission to scale its operations, enhance its technology, and expand its reach. The funds will enable the company to further develop its data-driven insights, strengthen its embedded finance and white-label solutions, and establish partnerships with banks and businesses. By combining education with accessible credit tools, Arro aims to create a more inclusive financial ecosystem that benefits both consumers and institutions, paving the way for sustainable growth and impactful innovation in the financial sector.

Company Info

Arro Finance provides tools, education, and AI-driven guidance to help underserved individuals build credit and achieve financial wellness.

Arro Finance focuses on increasing financial wellness by providing tools and education that enable individuals to build and maintain good credit. The platform serves underserved populations such as college students, gig workers, and immigrants who often lack access to mainstream credit options. Arro combines gamified personal finance education with manageable credit lines to empower users to make informed financial decisions. The company employs AI-driven tools like Artie, an AI financial coach, to guide users with timely advice and personalized nudges, helping them develop strong financial habits.

Beyond its consumer offerings, Arro uses innovative behavioral data modeling to generate the Arro Score, a proprietary credit metric that provides a more accurate assessment of creditworthiness than traditional methods like FICO scores. This approach not only helps individuals improve their financial health but also enables institutions to responsibly expand credit access. With significant traction in 2024, including 21% monthly growth and a $1.3M run rate, Arro is scaling its services to redefine the financial ecosystem.