Best Alternative Lending Companies in North Carolina, United States
The 36 best Alternative Lending companies in North Carolina, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: LendingTree.
Ranked: Best Alternative Lending companies in North Carolina
| # | Company | Disclosed funding | Last round | Employees | Founder | Stage | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | LendingTree Network connecting consumers with lenders for loans and credit products | $1.1B | 73 mo ago | 870 870 → 1,458 (+68%) | Doug Lebda Founder & CEO | Acquired | 5 patents Online loan origination and financial services coordination platforms | — |
| 2 | Swift Capital Provides merchant cash advance | $99M | 125 mo ago | 41 | — | Public | — | — |
| 3 | Quartix Provider of platform enabling buyers to optimize vendor payment terms | $50M | 33 mo ago | 22 | Dror Polak Co-Founder & CEO | Series B | — | — |
| 4 | College Ave Student loans marketplace | $50M | 66 mo ago | 87 87 → 111 (+28%) | — | Acquired | — | 2 job openings |
| 5 | Foro Developer of an online commercial lending platform | $12M | 41 mo ago | 18 | Roger Portaro Co-Founder | Series A | — | — |
| 6 | Acre Homes Online rent-to-buy platform for residential mortgage 19Talent top 28%Tech top 47%Funding top 50%Global bottom 37% All 5 signals ▾Talenttop 28% Techtop 47% Fundingtop 50% Globalbottom 37% Marketbottom 14% Talent: 4 named leaders on record · 4 C-suite/founder profiles curated Tech: 21 technologies across 5/8 capability areas · Cloud: Cloudflare, Vercel rank vs industry peers · Fliar Intelligence Index 19/100 | $10M | 21 mo ago | 16 16 → 16 (+0%) | Mike Schneider Co-Founder & CEO | Seed | — | 1 job opening |
| 7 | Lumos Provider of a cloud-based data analytics platform for small businesses | $5M | 10 mo ago | 26 26 → 19 (-27%) | Youri Nelson Co-Founder & Chief Technology Officer | Seed | 60 patents Interactive cognitive training software using visual‑object tracking and voice‑controlled tasks | 1 partnership |
| 8 | LoanWell Cloud-based loan management solution | $4M | 57 mo ago | 17 17 → 12 (-29%) | Justin Straight Co-Founder | Series A | — | — |
| 9 | Edge Tradeworks Provider of a marketplace and analytics for trading loans efficiently | $4M | 52 mo ago | 10 | John Roberts Co-Founder & CEO | Acquired | — | — |
| 10 | Curu Credit acceleration solution for businesses | $3M | 75 mo ago | 18 | Abb Kapoor Co-Founder & CEO | Seed | — | — |
| 11 | Braggawatt Online platform for project financing in solar energy projects | $2M | 100 mo ago | — | Trey Ramsey Co-Founder & CEO | Seed | — | — |
| 12 | Bundle Online comparison platform for residential mortgage loans | $850K | 63 mo ago | 2 | Eric Mager Founder & CEO | Seed | 3 patents Financial data processing and user activity monitoring for budgeting and analytics | — |
| 13 | Finsophy Provider of a marketplace for banking products | $185K | 110 mo ago | — | Tiago Soromenho Co-Founder & CIO | Seed | — | — |
| 14 | CRMa Credit risk management software and services for community banks | $171K | 76 mo ago | 8 | Mark Prior CEO & President | Funding Raised | — | — |
| 15 | Lendedu.com Online platform that helps users compare financial products like student loans, personal loans, mortgages… | $140K | 126 mo ago | 6 | — | Seed | — | — |
| 16 | VA Loan Captain Transformative wellness experiences through art, holistic events, and sustainable artisanry | $10K | 124 mo ago | 2 | Grant Moon Founder & CEO | Deadpooled | — | — |
| 17 | Clearlane Online auto loan refinancing for potential savings and flexible terms | — | 155 mo ago | 59 | — | Series A | — | — |
Top 12 Alternative Lending companies in North Carolina
#1
Seed · Wilmington, North Carolina · founded 2021 · 26 employees$5Mraised▾
Provider of a cloud-based data analytics platform for small businesses. The platform enables SMEs to analyze lending experiences for banks and lenders. Its features include risk analytics, performance data, migration trends, financial institution performance data, risk management models, credit models, and advisory services.
- Oct 2025Seed$1.1M
- Jul 2024Seed$2M
- May 2022Seed$3M
#2
Seed · Raleigh, North Carolina · founded 2021 · 16 employees$10Mraised▾
Online rent-to-buy platform for a residential mortgage. The platform allows users to purchase desired home without full payment. Users can purchase the property at the market price at the end of the term to get ownership transferred.
- Dec 2024Seed$10M
#3
Acquired · Charlotte, North Carolina · founded 1996 · 870 employees$1.1Braised▾
Network connecting consumers with lenders for loans and credit products. It provides access to various financial products, including personal loans, mortgages, credit cards, and insurance. The network allows consumers to compare rates and offers from multiple lenders. It also offers tools for credit score tracking and financial recommendations.
- Jul 2020Post IPO$500M
- Oct 2018Conventional Debt$350M
- Dec 2017Post IPO$300M
#4
Series B · Charlotte, North Carolina · founded 2017 · 22 employees$50Mraised▾
Provider of platform enabling buyers to optimize vendor payment terms. The platform allows buyers to manage invoice payments and extend payment timelines. Vendors can accelerate approved payments. The platform offers tools for payment term negotiation and early payment options. It aims to streamline trade finance for mid-sized companies.
- Dec 2023Series B$15M
- Jan 2022Series B$20M
- Jun 2017Seed$20K
#5
Series A · Charlotte, North Carolina · founded 2014 · 18 employees$12Mraised▾
Developer of an online commercial lending platform. It provides users with help for the user to connect, compare and choose between top financial institutions and offer commercial mortgages on their own balance sheets. Its features include capital markets, credit products, and business management.
- Mar 2023Series A$4M
- Jan 2023Series A$8M
#6
Acquired · Wilmington, North Carolina · founded 2014 · 87 employees$50Mraised▾
It offers undergraduate and post graduate student loans. Student need not be a full time student to obtain loan form College Ave. The minimum amount you can borrow is $2,000 and maximum can be upto 100% of the school-certified cost of attendance i.e. like tuition and fees, books and supplies, room and board, transportation and personal expenses. The College Ave Student Loan Product is made by Firstrust Bank, member FDIC.
- Mar 2021Conventional Debt$385M
- Feb 2019Conventional Debt$65M
- Apr 2017Series C$30M
- Jan 2016Series B$20M
#7
Public · Wilmington, North Carolina · founded 2006 · 41 employees$98.8Mraised▾
Swift Capital offers merchant cash advance to small businesses. Businesses can get funding amounts ranging from $5,000 to $300,000, depending on monthly revenue, financial payment history and business strength. Minimum requirements for funding are at least one year in business and at least $5,000 in monthly revenue.
- Mar 2016Series D$30M
- Jan 2014Series D$1M
- Oct 2012Series D$12.8M
- May 2012Series D$3.5M
#8
Acquired · Charlotte, North Carolina · founded 2016 · 10 employees$3.7Mraised▾
Provider of a marketplace and analytics for trading loans efficiently. The platform facilitates loan evaluation, negotiation, and trading between financial institutions. It offers tools for data analysis, market intelligence, and counterparty assessment. The aim is to bring transparency to loan transactions, improve liquidity, and increase profitability for participants.
- May 2022Seed$1000K
- Sep 2019Seed$2.7M
#9
Series A · Durham, North Carolina · founded 2017 · 17 employees$3.8Mraised▾
Cloud-based loan management solution. Its features include loan origination, loan servicing, loan underwriting, loan collection, and more. It enables lenders to build customized and digitized landing pages. It enables borrowers and lenders to electronically sign the documents.
- Dec 2021Series A$3M
- Oct 2020Grant (prize money)$100K
- Aug 2020Seed$715K
- 2019Seed$100K
#10
Seed · Charlotte, North Carolina · founded 2015 · 18 employees$3Mraised▾
Credit acceleration solution for businesses. It offers a solution that enables lenders and credit institutions to convert the rejected leads into qualified resources by providing credit-building programs. It provides a dashboard for monitoring credit status, lender insights, user analytics, and more.
- May 2020Seed$3M
- Jun 2019Seed—
- May 2019Seed—
- Sep 2018Seed—
#11
Seed · Charlotte, North Carolina · founded 2018 · 2 employees$850Kraised▾
Online comparison platform for residential mortgage loans. It enables users to compare mortgage loans from different banks and lenders. Comparisons are offered on the basis of loan terms, mortgage prices, interest rates, and more. It also provides comparisons for the refinancing of mortgage loans.
- May 2021Seed$600K
- Sep 2020Seed$250K
- Jun 2019Seed—
#12
Seed · Charlotte, North Carolina · founded 2016$1.9Mraised▾
Braggawatt provides an online platform for project financing for SMEs and Non-profits and solar installers. The proprietary, end-to-end online platform facilitates the origination, financing, and deployment of solar energy projects SMEs and Non-profits can use the platform to finance their solar installations and installers can use it to identify projects available and avail finance to undertake those projects. Companies have to apply online by providing details and solar preferences. The platform provides financing options which can be accepted online and agreements are then signed by the company and the service provider.
- May 2018Seed$1.9M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Riya reads income statements for fun. She covers the real money in a sector — revenue, growth, who actually earns — and never met a vague claim she didn't want a number for.