# Archa

> Australian corporate-card and spend-management platform extending business credit without personal guarantees.

## Why it is interesting

Archa shows how spend-management companies combine software equity with warehouse-style debt capital. The A$11 million equity finances product and growth, while the much larger A$50 million facility funds customer credit. That structure can accelerate revenue but makes funding costs, defaults and facility terms central to the investment case.

## Profile

- **Latest funding:** Not publicly disclosed
- **Latest known valuation:** Not publicly disclosed
- **Total disclosed equity funding:** Not publicly disclosed
- **Stage:** other
- **Status:** private
- **Industries:** fintech, enterprise-saas, ai-ml
- **Coverage:** full
- **Last updated:** 2026-10-14T11:01:00Z

## Key facts

- Reported 184% annual recurring revenue growth over the twelve months to October 2026.
- Processes more than A$200 million of annualised customer spend across thousands of Australian businesses, according to the company.
- Customers include the Sydney Roosters and construction company Higgins.
- The 2026 financing is approximately 82% debt by announced capital, making the equity/debt distinction essential.

## Funding history

- Equity financing plus debt facility; formal equity stage undisclosed · A$11M equity plus A$50M debt facility · October 13, 2026
  Source: https://australianfintech.com.au/australian-fintech-archa-secures-61-million-to-solve-one-of-business-bankings-most-absurd-problems/
- Equity financing plus debt facility · A$4M equity plus A$20M debt facility · April 19, 2022
  Source: https://www.archa.com.au/blog/weve-raised-4m-in-funding-and-secured-a-20m-debt-facility-to-accelerate-our-growth

## Investors in our directory

- https://venturecapitaltracker.com/fund/the-fintech-fund

## Related articles

- https://venturecapitaltracker.com/archa-11m-equity-50m-debt-business-credit

**By:** [Venture Capital Tracker](https://venturecapitaltracker.com/editorial-policy)
**Last updated:** October 14, 2026

**Editorial note:** AI tools assisted with research, structure, or drafting. Venture Capital Tracker retains human editorial responsibility for factual accuracy, relevance, and source quality before publication.

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Source: https://venturecapitaltracker.com/startup/archa