Best Banking Tech Companies in North Carolina, United States
The 47 best Banking Tech companies in North Carolina, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: LendingTree.
Our analysis of 50 Banking Tech companies
$7.7b in tracked funding; 98% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best Banking Tech companies in North Carolina
| # | Company | Disclosed funding | Employees | Founded | Founder | Tech stack | Web popularity | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | LendingTree Network connecting consumers with lenders for loans and credit products | $1.1B | 870 870 → 1,458 (+68%) | 1996 | Doug Lebda Founder & CEO | WordPressApple iCloud MailMicrosoft 365+28 | Top 50k | 5 patents Online loan origination and financing platform services, including vehicle loan calculations. | — |
| 2 | nCino Provider of a platform for digitizing and reengineering financial service processes | $222M | 997 997 → 1,657 (+66%) | 2011 | Pullen Daniel Co-Founder / EVP Corporate Development | ContentfulApple iCloud MailTypeScript+28 | Top 5M | 25 patents Financial services workflow automation for loan origination and backing management | 2 partnerships · 1 award |
| 3 | Apiture Open banking APIs for banks and financial institutions | $79M | 258 258 → 185 (-28%) | 2017 | Chris Babcock CEO | WordPress Block EditorWordPressApple iCloud Mail+33 | Top 5M | — | — |
| 4 | n3xt Provider of instant payment and settlement services for business-to-business transactions 22Funding top 29%Talent bottom 49%Tech bottom 40%Market bottom 31% All 5 signals ▾Fundingtop 29% Talentbottom 49% Techbottom 40% Marketbottom 31% Globalbottom 25% Funding: Raised $72.8M across 3 rounds · 3 rounds over 3 yrs (1.0/yr) Talent: 1 named leader on record · 1 C-suite/founder profile curated rank vs industry peers · Fliar Intelligence Index 22/100 | $73M | — | 2023 | Jeffrey Wallis Chief Executive Officer | WebflowGSAPEmotion+10 | Top 10M | — | — |
| 5 | Constellation Digital banking solutions empowering credit unions with innovative fintech integrations | $30M | 46 | 2017 | Kristopher Kovacs President and CEO | WordPressMySQLPHP+23 | Top 50M | 12 patents Patents concentrated in computing, sensing & instrumentation | — |
| 6 | Viably Invoicing management solutions for small businesses | $21M | 34 | 2021 | — | — | — | — | — |
| 7 | Junxure CRM for financial advisors, offering technology platform and investment services | $6M | 50 | 2000 | Ken Golding Owner | — | — | — | — |
| 8 | Infinant Provider of a platform for banks to manage accounts and payments | $5M | 25 | 2021 | Riaz Syed Founder & CEO | WordPressMySQLPHP+23 | Top 50M | — | 3 launchs |
| 9 | Threat Mark Provider of a platform for fraud prevention and digital threat detection | $3M | 20 | 2015 | Michal Tresner CEO & Co-Founder | WordPressMySQLPHP+19 | Top 10M | — | — |
| 10 | XUP Payments Online payment platform for businesses | $3M | 23 | 2019 | Kyle Bridges Co-Founder & Head Of Engineering | — | — | — | — |
| 11 | Zenmonics Omnichannel software for banks | $3M | 163 | 2007 | — | — | — | — | — |
| 12 | Attune Provider of software solutions for banking management | $2M | — | 2018 | Alicia Tetteh Founder | WordPressMySQLPHP+20 | Top 50M | 8 patents Fastening devices for apparel and adaptive web‑application testing/ranking systems | — |
| 13 | Vectari Bank-grade AI powered by regulatory expertise | $2M | — | 2023 | Chris Hart Co-Founder & CEO | — | — | — | — |
| 14 | Sageworks Loan origination and risk management software solutions | $1M | 209 | 1998 | Brian Hamilton Co-Founder | — | — | 4 patents PDF data extraction and structured document parsing for financial and analytical applications | — |
| 15 | TRUPOINT Partners Provider of compliance solutions for lending industry | $1M | 20 | 2009 | — | — | — | — | — |
| 16 | aPersona Behavioral based adaptive authentication solution | $440K | 14 | 2011 | Kelly Sparks Founder & CEO | — | — | — | — |
| 17 | Salus Financial software company that offers microlending programs | $275K | 3 | 2021 | — | — | — | 6 patents Provides disposable medical gowns and modular wall‑mounted storage shelving systems. | — |
| 18 | Finsophy Provider of a marketplace for banking products | $185K | — | 2016 | Tiago Soromenho Co-Founder & CIO | — | — | — | — |
| 19 | CRMa Credit risk management software and services for community banks | $171K | 8 | 1989 | Mark Prior CEO & President | — | — | — | — |
Top 12 Banking Tech companies in North Carolina
#1
Series A · Charlotte, North Carolina · founded 2023$72.8Mraised▾
Provider of instant payment and settlement services for business-to-business transactions. It facilitates real-time movement of funds within a secure environment. The platform operates within a regulated banking framework, holding deposits in cash and liquid government instruments. It offers transparent fees and seamless API integration for efficient payment processing.
- Oct 2025Series A$26M
- Feb 2025Series A$40.3M
- Nov 2023Seed$6.5M
#2
Series A · Charlotte, North Carolina · founded 2015 · 20 employees$3Mraised▾
Provider of a platform for fraud prevention and digital threat detection. The platform combines transaction risk analysis, threat detection, and user behavior profiling capabilities. It helps to mitigate scams, phishing, and unauthorized access. The platform interrupts fraud operations across all stages of the attack.
- Jan 2025Series A$23M
- Dec 2023Series A$5M
- Oct 2021Series A$3M
- Jun 2017Seed—
#3
Series A · Charlotte, North Carolina · founded 2021 · 25 employees$5Mraised▾
Provider of a platform for banks to manage accounts and payments. The platform offers virtual account management, embedded finance options, and modern payment solutions. It also provides digital channels, digital assets, and digital twin capabilities. The platform supports accounts, payments, cards, and settlement automation.
- Nov 2024Series A$15M
- Mar 2023Series A$5M
#4
Acquired · Wilmington, North Carolina · founded 2017 · 258 employees$79Mraised▾
Open banking APIs for banks and financial institutions. It enables financial institutions to deploy digital banking features into the system. Its features include online bill payments, cash management for business, and personal financial management for consumers. It offers Apiture IQ Online Marketing Insight for multiple pre-loaded interactive visualizations representing various data including interest rates, engagement, account types, and more.
- Nov 2023Series B$10M
- Jul 2022Series B$29M
- Jan 2021Conventional Debt$10M
- Jul 2020Series A$20M
#5
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
#6
Public · Wilmington, North Carolina · founded 2011 · 997 employees$221.6Mraised▾
Provider of a platform for digitizing and reengineering financial service processes. The platform unites lending, account onboarding, and analytics for a streamlined experience. It helps financial institutions make informed decisions with reduced risks. The platform supports institutions of varying sizes.
- Jan 2022Post IPO$925.6M
- Sep 2019Series E$80M
- Jan 2018Series D$51.5M
- Aug 2017Series C$17.8M
#7
Seed · Cary, North Carolina · founded 2021 · 34 employees$21Mraised▾
Invoicing management solutions for small businesses. It is designed for the do-it-all small business owner who needs to cut through the noise to see what really matters in financial growth. Connect all of your accounts easily and securely. See cash flow, categorized expenses, and collections in real time as soon as you connect. It gives you a unique view of your cash and runway.
- Nov 2023Conventional Debt$50M
- Jul 2022Seed$21M
#8
Seed · Charlotte, North Carolina · founded 2018$2.2Mraised▾
Provider of software solutions for banking management. It provides users with an engagement banking platform designed to empower banks and credit unions to provide value to their customers throughout their financial solutions. It also provides banking services through personalized financial solutions and services.
- Jan 2024Seed$2.2M
#9
Series A · Raleigh, North Carolina · founded 2017 · 46 employees$29.5Mraised▾
Digital banking solutions empowering credit unions with innovative fintech integrations. This is a digital service delivery platform providing credit unions with cutting-edge digital solutions and enabling fintech innovators to connect with credit union leaders. The platform offers digital banking, fintech connect, and seamless integration with existing core systems. It provides member-specific online experiences, back-office tools, scalability, future-proof flexibility with open APIs, a unified UX/UI, and robust security. The platform simplifies fintech adoption, empowering credit unions to choose and launch digital services. It facilitates personalized, digital-first experiences, enhancing member satisfaction and loyalty. The cloud-based platform ensures scalability, flexibility, and security, enabling credit unions to compete and thrive in the digital age. It offers resources like news, webinars, and blogs, fostering innovation and growth.
- Jun 2018Series A$500K
- May 2018Series A—
- Apr 2018Series A$3M
- Mar 2018Seed$500K
#10
Seed · Charlotte, North Carolina · founded 2023$1.7Mraised▾
Bank-grade AI powered by regulatory expertise. It offers solutions for translating financial documents like regulatory disclosures, product terms, servicing documentation, Fraud detection and prevention, Chat interfaces, compliance insights, and more for the financial services industry.
- Oct 2023Seed$1.7M
#11
Acquired · Raleigh, North Carolina · founded 2000 · 50 employees$6.3Mraised▾
CRM for financial advisors, offering technology platform and investment services. They build intuitive technology for financial advisors, focusing on personal, scientific, and beautiful advice. The company provides a comprehensive suite of tools, including CRM, portfolio management, goals-based planning, data consolidation, rebalancing, performance reporting, fee billing, digital onboarding, client portal, and business intelligence. They offer investment services such as models, custom indexing, and portfolio consulting. Their CRM is designed to optimize advisor-client relationships, enhance communication, and automate tasks. They leverage data to personalize client interactions and provide customized service at scale. The platform includes features like contact management, practice management, and dashboards for data visualization. They offer training, support, and actionable content to empower financial advisors. This is a SaaS and Software company.
- Jun 2015Series A$200K
- Apr 2013Series A$250K
- Apr 2013Unattributed$425K
- Sep 2012Seed$425K
#12
Funding Raised · Charlotte, North Carolina · founded 2021 · 3 employees$274.5Kraised▾
Financial software company that offers microlending programs. It develops programs to optimize loss rates, approvals, and fairer decisions for all borrowers. They offer a contact form for credit unions interested in creating a microlending program.
- Sep 2023Grant (prize money)$274.5K
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Banking Tech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Fintech is moving in the United States
A read on the academic research around Fintech — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 907 United States-affiliated papers.
- Film Independent54
- United States Department of Commerce26
- Community Partners22
- University of Virginia18
- International Monetary Fund12
- Financial services42
- Database transaction16
- Payment15
- Scalability12
- Credit risk11
- Financial services7→190
- Financial inclusion2→74
- Payment2→50
- Mobile payment3→29
- Leverage (statistics)1→21
- Financial services9→149
- Financial inclusion1→56
- Payment2→27
- Investment (military)1→19
- Cryptocurrency1→17
Where fintech is researched across United States
Location clusters by institution affiliation — each city's volume, stance tone, and a quick read on its hot topic, what's advancing, the opening opportunity, and the main concern.
Who's filing fintech patents in the United States
United States fintech patent filing is accelerating — 20 filings from 16 assignees (2016–2025), led by Mastercard International, Verifone, Financial Cloud Innovations; annual filings 1→7.
- Mastercard International20
- Verifone4
- Financial Cloud Innovations2
- Atombeam Technologies2
- Salah ALI Khalil1
- LNW Gaming1
- Kassetty Nikhil1
- DR Mariappan RAJA1
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.