Arc manages your treasury. Lovie manages your entire business.
Arc focuses on treasury management and FDIC-insured deposits. Lovie starts with formation and gives you banking, cards, and AI — all integrated.
Lovie vs Arc: side by side.
A detailed comparison of Lovie and Arc Business Card for startups and small businesses.
From formation to first purchase in minutes.
Form Your Company
Lovie handles your LLC or Corp formation with AI — state fees included.
Get Your Card
You get a virtual card right away. Physical card ships the same day.
Set Controls
Set limits, block merchants, manage team access — from the dashboard or by asking your AI.
Start Spending
Use your card anywhere Mastercard is accepted. Earn 1.5% cashback on every purchase.
Your business card should work as fast as your AI.
A card that keeps up with how you actually work.
Instant Issuance
Your card is ready the moment your company is. No approval wait, no separate application.
Smart Spending Controls
Per-card limits, merchant blocks, auto-expiring rules. Set them from your dashboard or just ask your AI.
MCP-Native
Issue cards through Claude, Cursor, Manus, or any MCP-compatible tool. Works wherever you already work.
Build Business Credit
Every purchase reports to major credit bureaus. Your company builds credit automatically.
No Foreign Transaction Fees
Spend globally without hidden fees. Your card works everywhere Mastercard is accepted.
One Platform, Everything
Formation, banking, and cards in one dashboard. You stop juggling logins.
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Beyond business cards: the full Lovie platform
A business card is one piece of your financial stack. Lovie brings formation, banking, equity, and compliance together so founders can focus on building.
Starting a business requires more than the right credit card. Lovie helps founders incorporate their LLC or C-Corp in Delaware or Wyoming in under two minutes.
AI-powered LLC and C-Corp formation for foundersOnce your entity is formed, equity management becomes critical. Track shares, SAFEs, and option pools with a cap table built for modern founders.
automated cap table management for startupsFor Web3 founders managing token treasuries alongside traditional business spending, integrated operations tooling keeps everything in one place.
token operations and treasury management platformBusiness cards work best when paired with a banking stack that understands how modern startups operate, from automated bill pay to API-driven transactions.
agent-native banking designed for AI-first startups