San Francisco-based fintech company Arc has unveiled Arc Intelligence, an AI-driven platform designed to streamline financial processes in the booming private credit market, which is projected to reach $2.8tn by 2028.
The platform’s flagship product, the AI Private Credit Analyst (AI Analyst), automates complex credit analyses, and according to press statement “promises to revolutionise how lenders evaluate investments”.
AI Analyst enables credit teams to process unstructured financial data and generate detailed credit memos within minutes — a task that traditionally takes weeks. With 99% accuracy, the platform helps lenders assess creditworthiness, benchmark opportunities, and identify risks faster and more efficiently.
The private credit industry, which has grown 50% in the past three years, has long relied on manual processes for data collection and analysis. Arc’s AI platform automates these tasks, allowing funds to keep pace with rising demand. By integrating data from multiple sources — including proprietary information, public data, and lender-specific deal histories — AI Analyst simplifies underwriting and due diligence without sacrificing precision.
Initially launched in beta in September, AI Analyst is already available to over 150 institutional lenders active in Arc’s private debt marketplace. The company plans a broader rollout in early 2025 and has opened a waitlist for new lenders.
Arc’s platform also serves as a financial system of record for private companies, aggregating unstructured data to enhance liquidity and transparency in a historically opaque sector. Thousands of companies currently use Arc’s tools for capital management and market access.
