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    <loc>https://www.arclabs.co/portfolio</loc>
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    <lastmod>2019-09-26</lastmod>
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      <image:title>Portfolio - Aspire Financial</image:title>
      <image:caption>Aspire is a technology company focused on providing affordable loans to the 65 million small businesses in Southeast Asia. Founders: Andrea Baronchelli, Giovanni Casinelli Based in: Singapore</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1535476982807-VF2FWZ52I2N09P9MC1WI/creze.png</image:loc>
      <image:title>Portfolio - Creze</image:title>
      <image:caption>Creze is a technology-enabled lender that focuses on providing working capital loans to underbanked small and medium-sized businesses in Mexico. Founders: Diego Creel &amp; Gonzalo Cegarra Based in: Mexico City, Mexico</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1543818964522-UIGPQ1INZ4QXV121RRM2/payjoy.png</image:loc>
      <image:title>Portfolio - PayJoy</image:title>
      <image:caption>PayJoy provides pay-as-you-go smartphone financing to consumers who otherwise could not afford it via a proprietary locking software. Founders: Doug Ricket, Gib Lopez, Mark Heynen, Tom Ricket Based in: San Francisco</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1569458050918-ELQ7TOTBOWT41863HO6V/Klar.png</image:loc>
      <image:title>Portfolio - Klar</image:title>
      <image:caption>Klar is a Mexico City-based startup that wants to democratize banking services in Mexico. The company’s ultimate goal is to offer Mexicans an alternative to traditional credit cards and debit services. Founders: Stefan Moller, Daniel Autrique Based in: Mexico City, Mexico</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1543819235941-JR3U7IOAGF1O0JE53YRU/credijusto.png</image:loc>
      <image:title>Portfolio - Credijusto</image:title>
      <image:caption>Credijusto is a technology company focused on lending to the underserved and rapidly growing SME market in Mexico. Founders: David Poritz &amp; Allan Apoj Pascal Based in: Mexico City, Mexico</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1535477117351-4E48US03UCG1O77BZ2K6/wired.png</image:loc>
      <image:title>Portfolio - Wired Investors</image:title>
      <image:caption>Wired Investors acquires and manages a portfolio of small cash flow positive web businesses. Founders: Hayden Miyamoto, George Do, Deven Soni Based in: San Francisco, CA</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1543819045726-6YAVLU674P4XEKU7D8DG/image-asset.png</image:loc>
      <image:title>Portfolio - Camino Financial</image:title>
      <image:caption>Camino Financial is an innovative community-based lender to underbanked Latino-owned small businesses in the United States. Founders: Sean Salas &amp; Kenny Salas Based In: Los Angeles, California</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1535477083882-LQ4NC6ZADRHK7YDYXRJJ/secfi-alt.png</image:loc>
      <image:title>Portfolio - SecFi</image:title>
      <image:caption>SecFi provides creative financing solutions to employees and shareholders of late-stage technology companies. Founder: Wouter Witvoet Based in: San Francisco, CA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1535477101706-V19E0GV00YQOFVG6UNF3/stilt.png</image:loc>
      <image:title>Portfolio - Stilt</image:title>
      <image:caption>Stilt provides loans to immigrant students and professionals in the U.S. that don't have a credit history. Founders: Priyank Singh, Rohit Mittal Based in: San Francisco, CA</image:caption>
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      <image:title>Portfolio</image:title>
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      <image:title>Portfolio</image:title>
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  <url>
    <loc>https://www.arclabs.co/home</loc>
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    <lastmod>2018-12-03</lastmod>
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      <image:title>Arc Labs</image:title>
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      <image:title>Arc Labs</image:title>
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      <image:title>Arc Labs</image:title>
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      <image:title>Arc Labs</image:title>
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      <image:title>Arc Labs</image:title>
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      <image:title>Arc Labs</image:title>
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    <loc>https://www.arclabs.co/news</loc>
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    <lastmod>2018-09-25</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1535390316531-4JY5OB5UBX5HGQ06QSQE/lightest-yet-abstract-curve-design-911738.jpg</image:loc>
      <image:title>News</image:title>
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      <image:title>News</image:title>
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    <loc>https://www.arclabs.co/careers</loc>
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    <lastmod>2019-01-12</lastmod>
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      <image:title>Careers</image:title>
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  <url>
    <loc>https://www.arclabs.co/contact</loc>
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    <lastmod>2018-10-24</lastmod>
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      <image:title>Contact</image:title>
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  <url>
    <loc>https://www.arclabs.co/team-members</loc>
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    <lastmod>2019-10-23</lastmod>
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  <url>
    <loc>https://www.arclabs.co/team-members/gustavo</loc>
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    <lastmod>2019-10-23</lastmod>
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      <image:title>Team Members - Gustavo Chavero</image:title>
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  <url>
    <loc>https://www.arclabs.co/team-members/travis</loc>
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    <lastmod>2019-10-23</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1567799836549-JTGT51SCLCDPVMM6Z20U/WhatsApp+Image+2019-09-06+at+2.33.11+PM.jpeg</image:loc>
      <image:title>Team Members - Travis Foxhall</image:title>
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  <url>
    <loc>https://www.arclabs.co/team-members/pabloricaud</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2019-10-30</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1572406877446-1V0L66GSOQO79R7G5UU8/pagefinalpra.png</image:loc>
      <image:title>Team Members - Pablo Ricaud</image:title>
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  <url>
    <loc>https://www.arclabs.co/team-members/valentina</loc>
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    <lastmod>2019-09-06</lastmod>
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      <image:title>Team Members - Valentina Valencia</image:title>
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  <url>
    <loc>https://www.arclabs.co/team-members/francis-frank-shih</loc>
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    <lastmod>2018-10-22</lastmod>
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      <image:title>Team Members - Francis "Frank" Shih</image:title>
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  <url>
    <loc>https://www.arclabs.co/team-members/james-sagan</loc>
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    <lastmod>2018-10-22</lastmod>
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      <image:title>Team Members - James Sagan</image:title>
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  <url>
    <loc>https://www.arclabs.co/team-members/jeff-lo</loc>
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    <lastmod>2019-09-04</lastmod>
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      <image:title>Team Members - Jeff Lo</image:title>
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    <loc>https://www.arclabs.co/team-members/category/Managing+Partner</loc>
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  <url>
    <loc>https://www.arclabs.co/team-members/category/Sr+Fund+Management+Assoc</loc>
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    <loc>https://www.arclabs.co/team-members/category/Founder</loc>
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    <loc>https://www.arclabs.co/team-members/tag/Senior+Fund+Management+Associate</loc>
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    <loc>https://www.arclabs.co/team-members/tag/Advisor+%26+Board+Member</loc>
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    <loc>https://www.arclabs.co/team-members/tag/Senior+Finance+Manager</loc>
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    <loc>https://www.arclabs.co/team</loc>
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    <lastmod>2019-10-23</lastmod>
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      <image:title>Team - Pablo Ricaud</image:title>
      <image:caption>Vice President</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1539897060527-T3WV9Z24UIU63VK95H5Y/francis.png</image:loc>
      <image:title>Team - Francis "Frank" Shih</image:title>
      <image:caption>Managing Partner</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1571870108990-4CSWOTH4QGHGZ69FXBSG/gustavo+page+2.png</image:loc>
      <image:title>Team - Gustavo Chavero</image:title>
      <image:caption>Sr. Finance Manager</image:caption>
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      <image:title>Team - Travis Foxhall</image:title>
      <image:caption>Venture Partner</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1535392361534-WOKKR8I28PPL0J8RS7OL/jeff-lo-bio.png</image:loc>
      <image:title>Team - Jeff Lo</image:title>
      <image:caption>Advisor &amp; Board Member</image:caption>
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      <image:title>Team - James Sagan</image:title>
      <image:caption>Managing Partner</image:caption>
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      <image:title>Team - Valentina Valencia</image:title>
      <image:caption>Senior Associate</image:caption>
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      <image:title>Team</image:title>
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    <loc>https://www.arclabs.co/blog-posts</loc>
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    <lastmod>2019-10-16</lastmod>
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    <loc>https://www.arclabs.co/blog-posts/forbes-arc-labs-interview</loc>
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    <loc>https://www.arclabs.co/blog-posts/fintek-news-francis-shih-interview</loc>
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    <loc>https://www.arclabs.co/blog-posts/arc-labs-payjoy</loc>
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    <lastmod>2018-11-01</lastmod>
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    <loc>https://www.arclabs.co/blog-posts/2018/9/24/arc-labs-makes-us10m-debt-investment-in-mexican-fintech-startup-creze-en-espaol</loc>
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    <lastmod>2018-09-25</lastmod>
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    <loc>https://www.arclabs.co/icons</loc>
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    <lastmod>2018-09-17</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1537213440294-I24MO2DX2PB2L5DS9ZFM/what-we-invest-in.png</image:loc>
      <image:title>Icons - What We Invest In</image:title>
      <image:caption>Arc provides debt capital to fund loan products, business models and assets that have been created by technology but lack access to credit from traditional financial institutions. We began working with fintech lending platforms, but will provide debt capital to a wide range of companies, including consumer and B2B software startups, cannabis-related businesses and micro-cap technology-focused private equity firms. We work with both venture-funded and bootstrapped companies, but are usually most active at the early-stage (Seed / Series A).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1537213440294-I24MO2DX2PB2L5DS9ZFM/what-we-invest-in.png</image:loc>
      <image:title>Icons - What We Invest In</image:title>
      <image:caption>Arc provides debt capital to fund loan products, business models and assets that have been created by technology but lack access to credit from traditional financial institutions. We began working with fintech lending platforms, but will provide debt capital to a wide range of companies, including consumer and B2B software startups, cannabis-related businesses and micro-cap technology-focused private equity firms. We work with both venture-funded and bootstrapped companies, but are usually most active at the early-stage (Seed / Series A).</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1537213440703-HZMB10SLFJUTXC4DJNCX/what-we-provide.png</image:loc>
      <image:title>Icons - What We Provide</image:title>
      <image:caption>Our typical deal is a $2-10M senior secured revolving credit facility or term loan with a commitment period / term of 2-3 years. We directly originate or fund the origination of corporate debt, small business loans, secured and unsecured consumer loans, equipment leases, receivables factoring and esoteric asset-based loans.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1537213440296-2KLMBL1A69ZOUUYI1VOD/value-proposition.png</image:loc>
      <image:title>Icons - Our Value Proposition</image:title>
      <image:caption>At Arc, we recognize the unique capital needs of technology founders in the earliest days of scaling their businesses. We provide flexible, robust institutional facilities that can meet these needs and our exclusive focus on originating smaller deal sizes allows to close quickly and cost-efficiently. We also have deep relationships with venture capital funds and larger credit funds, and will help founders develop their long-term capital markets roadmap.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.arclabs.co/privacy-policy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-10-24</lastmod>
  </url>
  <url>
    <loc>https://www.arclabs.co/fund-management-associate</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2019-01-12</lastmod>
  </url>
  <url>
    <loc>https://www.arclabs.co/legal</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-14</lastmod>
  </url>
  <url>
    <loc>https://www.arclabs.co/senior-associate-credit-analyst</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-14</lastmod>
  </url>
  <url>
    <loc>https://www.arclabs.co/portfolio-intro</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-08-27</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1535407360650-V45TMLC3CT5011LUNZCF/producepay.png</image:loc>
      <image:title>Portfolio Intro - Produce Pay</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1535407284771-FQ3PIGYZ9KILH3GZ2XPH/creze.png</image:loc>
      <image:title>Portfolio Intro - Creze</image:title>
      <image:caption>Creze is a tech-enabled lender to small and medium-sized businesses. Founder: Diego Creel, Gonzalo Cegarra &amp; David Lask Based in: Mexico City, Mexico</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1535407208894-8VG1YDQYHLSNX3NL6QIS/secfi-alt.png</image:loc>
      <image:title>Portfolio Intro - SecFi</image:title>
      <image:caption>SecFi provides financing to employees and shareholders of late-stage technology companies. Founder: Wouter Witvoet Based in: San Francisco, CA</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1535407430513-LROTM5DVTP3DMIP407IU/credijusto.png</image:loc>
      <image:title>Portfolio Intro - Credijusto</image:title>
      <image:caption>Credijusto is a financial technology startup that provides affordable financing to small and medium-sized enterprises in Mexico. Founders: David Poritz &amp; Allan Apoj Based in: Mexico City, Mexico</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1535404597893-SDQR9SL7WOE9FIA0OENO/lightest-yet-abstract-curve-design-911738.jpg</image:loc>
      <image:title>Portfolio Intro</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.arclabs.co/testimonial-alt</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-09-21</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1537549343554-I29T833YPF1SSUSZEG18/portfolio-bg-final.jpg</image:loc>
      <image:title>Testimonial Alt</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.arclabs.co/contact-1</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2018-10-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5b7600a43c3a5332af1a3d60/1535741411741-CUEYZU3XVC9ZKE2LXDDX/lightest-yet-abstract-curve-design-911738.jpg</image:loc>
      <image:title>Contact</image:title>
    </image:image>
  </url>
</urlset>

