# Arro Finance

AI-Driven Innovation Democratizing Consumer Credit

- Canonical URL: https://wefunder.com/arro.finance
- Entity ID: wefunder:company:154150
- Last updated: 2026-06-15T05:01:18Z
- Generated at: 2026-06-16T05:00:52Z

## Quick facts
- Backed by top VCs including Crosslink Capital, BAM Ventures, and Bling Capital
- $1.3M revenue run rate in Dec 2024 & 500% revenue growth since January 2024
- $30M debt facility closed in Nov 2024 to fuel growth of customers and credit lines
- Won 8 industry awards including Gartner's 2024 Eye on Innovation
- 300k+ Arro app downloads
- 1,500+ 5 star reviews on App Store & Google Play and NPS of 71

## Active fundraises
- wefunder:fundraise:112655: 4(a)(6) successful (USD)
- wefunder:fundraise:112654: 4(a)(6) successful (USD)

## Story
In December 2024 we reached $1.3M ARR with profitable customers from day one.Learn more about our incredible momentum and where Arro is headed in 2025.___________________________________________A Better Financial Future for Millions of Americans160 million people in the U.S. are locked out of mainstream credit—a staggering number that represents real lives held back by a broken system.When we spoke with college students, gig workers, and immigrants across the country, we heard the same struggles again and again: fear of overspending, anxiety of falling into a debt spiral, and deep distrust of financial institutions.We discovered millions of creditworthy individuals—hardworking, resourceful, and determined—who are eager to take control of their financial futures. They just need the right tools and guidance to unlock their potential. The problem isn’t a lack of responsibility, it’s a lack of access and understanding.Arro is changing the game by putting control back into the hands of consumers. With a manageable starting credit line and a gamified learning journey, Arro empowers people to build financial confidence while mastering personal finance. It’s more than just credit—it’s a pathway to good money habits, better opportunities, and a stronger financial future.Individual Customer Journeys Manage Credit Risk & Generate the Arro ScoreEvery Arro customer embarks on a personalized journey tailored to their unique financial profile and risk level. No two paths are the same, ensuring that each person gets the support and tools they need to succeed.Arro’s innovative gamified financial education platform doesn’t just teach—it learns. By tracking how customers engage and progress, it generates a groundbreaking dataset that goes beyond traditional credit metrics, offering a more accurate and insightful way to assess and price risk. This means better outcomes for customers and smarter decisions for the future of credit.We are a data company and each customer’s Arro Score indicates their risk level. Some people will grow quickly and others more slowly based on live dynamic risk signals where we score customers daily. We are risk pricing in real time.Arro's AI Financial Coach Guides CustomersOur AI financial coach, Artie, meets customers where they are and nudges them into better financial decisions. Artie doesn’t just provide answers—Artie offers timely nudges and actionable advice to help users make smarter financial choices. With Artie, building better money habits feels natural, approachable, and achievable.Arro customers are succeeding. Thousands of members have increased their credit score by up to 100 points.Strong Traction is Ready to be ScaledOutsized Revenue Potential with Active B2B OpportunitiesArro's vision extends far beyond today’s offering. We have opportunities in data, embedded finance, and white-labeled solutions—innovations that are not reflected in our financial model but have outsized revenue potential.FICO is broken for these consumers and by combining a 600 FICO score with the proprietary Arro Score – built on behavioral data that’s otherwise nearly impossible to capture – we can provide a more accurate picture of creditworthiness. This innovation doesn’t just empower individuals; it enables large institutions to responsibly expand their credit access while offering better rates.Looking ahead, our ultimate goal is to integrate Arro’s solution directly into banks and companies, embedding our technology where it can make the greatest impact and redefining how financial systems serve the people who need them most.2024 was an Incredible YearThis year has been nothing short of incredible for Arro. We’ve achieved 21% month-over-month growth, 5x’d our revenue since January, and hit a $1.3M run rate—all while intentionally capping growth in our first year. From July-October, we more than doubled our user base as we’ve begun to scale.Our success is fueled by one of the lowest customer acquisition costs in the industry at just $9, thanks to a differentiated go-to-market strategy. Combine that with an innovative behavioral model and a growing list of prestigious awards, and it’s clear: we’re building something that truly resonates with consumers and sets a new standard for the industry.Join the Top Tier VCs Backing ArroJoin the top tier VCs backing Arro, and invest alongside a $30M debt warehouse facility that started funding in December 2024.

## FAQ
1. **I am from Canada and am trying to invest, and it won't let me.**
   - Hi Kevin. Unfortunately it seems that residents of the Canadian provinces of Alberta, British Columbia, Ontario, and Quebec are unable to invest through WeFunder due to legal purposes. We so appreciate your interest!
2. **Can I invest via AmEx?**
   - Robert, thanks so much for your interest in Arro. Unfortunately, it seems only Visa and Mastercard are options if you are choosing to use a credit card. Please let us know if we can help with any other questions.
3. **Does Arro give a discount if you have a VIP Mmembership?**
   - Gene, thanks so much for your interest in Arro. Unfortunately, we do not have any discounts.
4. **what is the future plan on going public ? Seems 2025 is the season**
   - Hi Shannon, thanks for asking. There are multiple exit opportunities including an acquisition and going public. It is very unlikely we'd be going public in 2025 but for sure something we are considering down the line.
5. **When will the offer expire?**
   - Hi Gene, Thanks for your interest in Arro. As of now, this will be be live until January 16, 2025. We might end up extending it but please be on the lookout and let us know if you have any other questions! Best, Ryan

## Team
- Ryan Duitch (CEO)
- Luke Pelullo (COO)
- Geoff Jenkins (Chief Credit Officer)
- Abby Butkus (VP of Strategy)

## Q&A
- Q: Can I invest via AmEx?
  - A: Robert, thanks so much for your interest in Arro. Unfortunately, it seems only Visa and Mastercard are options if you are choosing to use a credit card. Please let us know if we can help with any other questions.
- Q: Hi Ryan, I’m Zac Stahlhut with D3VC, a venture fund focused exclusively on companies raising through investment crowdfunding. As part of our diligence process, we had a few questions: Could you share the current advance rate on your $30M warehouse facility, how much has been drawn to date, and whether that debt is held on your balance sheet? We’d also like to better understand your delinquency and default performance to date, as well as how you're positioning the business to remain resilient in the event of a credit contraction or broader economic downturn. We'd appreciate the chance to connect directly before the offering closes — feel free to reach me at zstahlhut@d3vc.ai.
  - A: Zac, thanks so much for your interest in Arro. I just sent you an email and look forward to connecting.
- Q: Could you please give an investor update, how 2025 is looking and come current goals and objectives. Thanks
- Q: Two questions 1) Is this a secured credit card play (ppl buy a secured card and use it to build credit), and if so, how is this different than the many companies who do this? 2) With economic uncertainty right now (tariffs, inflation, rising unemployment) how will this impact you (i.e. I hope you are not taking on too much credit risk in this uncertain environment)?
- Q: I purchased $5000 of ARRO in 2025. What was the price per share?
  - A: Charles, Thanks so much for reaching out. This was done via a SAFE so technically there is not a price per share until the SAFE is converted. Best,Ryan
- Q: Hi, is ARRO still open for investment?
- Q: need to know price per share of arro if i invest
  - A: HI Robert, thanks for your interest in Arro. This investment is in a SAFE so there is no price per share until it converts in a future financing or acquisition.
- Q: Hey there, I run a community round focused venture fund and have a few questions for you that I'd love to ask 1 on 1 if possible. What's the best way to reach you before end of the community round for a zoom meeting?
  - A: Tristin, please reach out to WeFunder@arrofinance.com and I'd be happy to set up some time with you this week.
- Q: Could we have a business update?
- Q: What is the value of the shares in this Pre-IPO?
  - A: Hi Severino, this instrument is a SAFE which means you are investing in the company valuation and the shares will be issued at a later date upon a financing.
- Q: what is price per share?
  - A: Robert, thanks for your interest in Arro. Since this is a SAFE, there isn't a price on the shares until it converts. I'd be happy to answer any additional questions about how SAFE's work if that would be helpful. Please don't hesitate to reach out to wefunder@arrofinance.com.
- Q: what is the price for each share
  - A: Hi Edwin, Thanks for your interest in Arro. This investment is into a SAFE and thus the price per share would be calculated when it converts. We'd be happy to answer any other questions you have either here or feel free to reach out to wefunder@arrofinance.com. Best, Ryan
- Q: what is the price per share
- Q: Hello, I have three questions: 1. Can you share your future prediction, five-year pipeline, and when you think that you will be profitable? 2. Which financial institution is backing the ARRO 3. Can I invest using Wefunder cash? If possible, I would like to see the pitch deck in PDF.
  - A: Hi Aditya, We'd be happy to share more detail. Please email us at wefunder@arrofinance.com. Yes, you can use your Wefunder cash! Best, Ryan
- Q: Hey there, I run a community round focused venture fund and have a few questions for you that I'd love to ask 1 on 1 if possible. What's the best way to reach you before end of the community round for a zoom meeting?
  - A: Hi Tristin, thanks for reaching out. I'd be happy to set up some time to chat. Is there a best time for you? Please feel free to email me at wefunder@arrofinance.com.