Best FinTech Companies in Charlotte, United States
The 128 best FinTech companies in Charlotte, United States in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: AvidXchange.
Biggest earners American Express Co ($10.5B, +9% YoY), Mastercard Inc ($8.3B, +13% YoY), Flex Ltd. ($6.6B, +4% YoY), Fiserv Inc ($5.0B, +10% YoY)
Our analysis of 243 FinTech companies
$56.0b in tracked funding; 98% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best FinTech companies in Charlotte
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | AvidXchange 🦄 Accounts payable and payment automation solution for businesses | $1.2B | 69 mo ago | 1,714 1,714 → 1,687 (-2%) | 2000 | — | — | 1 launch · 1 partnership · 1 award |
| 2 | LendingTree Network connecting consumers with lenders for loans and credit products | $1.1B | 71 mo ago | 870 870 → 1,458 (+68%) | 1996 | Doug Lebda Founder & CEO | 5 patents Online loan and financial product coordination platforms for consumer lending services. | 1 partnership |
| 3 | AccessOne Patient financing solutions, offering online access and payment options | $150M | 96 mo ago | 220 | 2010 | Russell Salton Founder | — | — |
| 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 | 8 mo ago | — | 2023 | Jeffrey Wallis Chief Executive Officer | — | — |
| 5 | Health Credit Services Platform that offers patient financing options | $60M | 108 mo ago | 85 | 2015 | Clark Burget Co-Founder | — | — |
| 6 | Quartix Provider of platform enabling buyers to optimize vendor payment terms | $50M | 30 mo ago | 22 | 2017 | Dror Polak Co-Founder & CEO | — | — |
| 7 | Payzer Provider of SaaS-based payment solutions for businesses | $48M | 60 mo ago | 53 53 → 85 (+60%) | 2012 | Joe Giardano Co-Founder & CEO | — | — |
| 8 | Tradier Brokerage services and technology solutions for active traders and businesses | $29M | 38 mo ago | 19 | 2012 | Peter Laptewicz Co-Founder | — | — |
| 9 | DebtBook Cloud-based debt management software | $22M | 34 mo ago | 133 | 2019 | Tyler Traudt Co-Founder & CEO | — | 2 launchs · 1 partnership |
| 10 | Manage My Insurance software suite 37Growth top 25%News top 25%Product top 30%Funding top 34% All 10 signals ▾Growthtop 25% Newstop 25% Producttop 30% Fundingtop 34% Techtop 44% Moattop 47% Globalbottom 39% Innovationbottom 36% Patentsbottom 24% Marketbottom 22% Growth: Fresh capital in last 24 mo News: 7 BI events in 12 mo (of 7 tracked, 2 types) · 6 high-value events (IPO/M&A/funding/contracts) in 12 mo rank vs industry peers · Fliar Intelligence Index 37/100 | $20M | 4 mo ago | 5 | 2018 | — | 29 patents Hierarchical distributed storage management and virtual system orchestration for high‑performance parallel file operations | — |
| 11 | Aiwyn Provider of platform for accounting firms offering payments, practice, experience, tax | $14M | 18 mo ago | 43 | 2020 | Chris Furlong Cofounder | — | — |
| 12 | InMediata Healthcare electronic transaction management | $13M | 128 mo ago | 14 | 2002 | — | — | — |
| 13 | Verian Technologies Purchasing and Invoice processing software | $13M | 313 mo ago | 84 | 1997 | Roelof-Jan Molemaker CEO Continental Europe | — | — |
| 14 | Foro Developer of an online commercial lending platform | $12M | 39 mo ago | 18 | 2014 | Roger Portaro Co-Founder | — | 1 partnership |
| 15 | DealCloud Deal-flow management tools for alternative investment industry | $10M | 108 mo ago | 258 | 2010 | — | — | — |
| 16 | Finzly Provider of software solutions for the banking industry | $10M | 32 mo ago | 120 | 2012 | Booshan Rengachari Founder & CEO | — | — |
| 17 | Clear Markets Innovators in electronic trading systems for fixed income and credit derivatives | $9M | 94 mo ago | 13 | 2012 | — | — | — |
| 18 | Amicus Cloud-based donation management software for foundation & nonprofits | $9M | 67 mo ago | 69 | 2017 | — | 6 patents Self‑deploying screw interbody spinal fusion implants and insertion tools | — |
| 19 | OWL Financial database platform for individuals and businesses | $9M | 5 mo ago | — | 2022 | Grant Carney Co-Founder & CPO | 57 patents Advanced wide-angle optics and multi-camera video stitching/compositing technologies | — |
| 20 | Arch Online platform for the financialization of crypto and NFT assets | $8M | 21 mo ago | 4 | 2019 | — | — | — |
| 21 | Fuzzy Logix Provider of predictive analytics software and advisory solutions | $6M | 127 mo ago | 3 | 2007 | — | — | — |
| 22 | Infinant Provider of a platform for banks to manage accounts and payments | $5M | 18 mo ago | 25 | 2021 | Riaz Syed Founder & CEO | — | 3 launchs |
| 23 | Edge Tradeworks Provider of a marketplace and analytics for trading loans efficiently | $4M | 49 mo ago | 10 | 2016 | John Roberts Co-Founder & CEO | — | — |
| 24 | Curu Credit acceleration solution for businesses | $3M | 73 mo ago | 18 | 2015 | Abb Kapoor Co-Founder & CEO | — | — |
| 25 | Threat Mark Provider of a platform for fraud prevention and digital threat detection | $3M | 17 mo ago | 20 | 2015 | Michal Tresner CEO & Co-Founder | — | — |
| 26 | Paymints.io Cloud-based fund transfer solutions for real estate transactions | $3M | 43 mo ago | 15 | 2020 | Amit Doshi Co-Founder & COO | — | — |
| 27 | XUP Payments Online payment platform for businesses | $3M | 63 mo ago | 23 | 2019 | Kyle Bridges Co-Founder & Head Of Engineering | — | — |
| 28 | Zenmonics Omnichannel software for banks | $3M | 92 mo ago | 163 | 2007 | — | — | — |
| 29 | Adhesion Wealth Portfolio and practice management solutions empowering advisors to optimize client outcomes | $2M | 203 mo ago | 20 20 → 46 (+130%) | 1999 | — | — | 1 partnership |
| 30 | Attune Provider of software solutions for banking management | $2M | 28 mo ago | — | 2018 | Alicia Tetteh Founder | 8 patents Wearable fastening/deformable frame technologies and adaptive web‑application testing platforms. | — |
| 31 | Atlas Point AI-based platform for education tools for financial professionals and their clients | $2M | 41 mo ago | 11 | 2018 | Carrie Nelson Founder & CEO | — | — |
| 32 | Braggawatt Online platform for project financing in solar energy projects | $2M | 97 mo ago | — | 2016 | Trey Ramsey Co-Founder & CEO | — | — |
| 33 | Vectari Bank-grade AI powered by regulatory expertise | $2M | 32 mo ago | — | 2023 | Chris Hart Co-Founder & CEO | — | — |
| 34 | Passport Parking App-based solution pay for parking spaces | $2M | 153 mo ago | 236 | 2010 | — | — | — |
| 35 | Unbanked Online platform to buy, sell, and spend cryptocurrencies | $1M | 39 mo ago | 39 | 2017 | Ian Kane Co-Founder | — | — |
| 36 | TRUPOINT Partners Provider of compliance solutions for lending industry | $1M | 182 mo ago | 20 | 2009 | — | — | — |
| 37 | Bundle Online comparison platform for residential mortgage loans | $850K | 60 mo ago | 2 | 2018 | Eric Mager Founder & CEO | 3 patents Financial data processing and user activity monitoring for budgeting and analytics | — |
| 38 | Alpha Modus AI-driven technology enhancing in-store consumer experience through data-driven marketing | $634K | 123 mo ago | 3 | 2014 | Bill Alessi Founder & CEO | 25 patents Data-driven personalized retail marketing and in‑store customer assistance systems | 3 launchs |
| 39 | Vertical Investment Group Online platform for real estate investments | $600K | 25 mo ago | — | 2024 | Christian O Avery CEO | — | — |
| 40 | Honeyfi Financial management solution for couples. | $300K | 76 mo ago | 3 | 2016 | — | — | — |
| 41 | Salus Financial software company that offers microlending programs | $275K | 33 mo ago | 3 | 2021 | — | 6 patents Provides disposable medical gowns and modular wall‑mounted storage shelving systems. | — |
| 42 | Finsophy Provider of a marketplace for banking products | $185K | 108 mo ago | — | 2016 | Tiago Soromenho Co-Founder & CIO | — | — |
| 43 | Lendedu.com Online platform that helps users compare financial products like student loans, personal loans, mortgages… | $140K | 123 mo ago | 6 | 2014 | — | — | — |
| 44 | BovaMetrics Portfolio monitoring and rebalancing solution | $100K | 99 mo ago | — | 2016 | Robert Van Art Founder | — | — |
| 45 | Traderion Cloud-based LMS platform for collaborative learning | $100K | 128 mo ago | 4 | 2012 | Florin Grosu Co-founder | — | — |
Top 12 FinTech companies in Charlotte
#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 B · Charlotte, North Carolina · founded 2018 · 5 employees$20Mraised▾
ManageMy provides a software suite for the insurance industry. It offers solutions for customer onboarding, sales & marketing, customer acquisition & management, and more. It also offers software for claims management, policy management, data management, and more.
- Feb 2026Series B$20M
#3
Series A · Charlotte, North Carolina · founded 2022$8.7Mraised▾
Financial database platform for individuals and businesses. Focused on gather billions of public data points, helping them find, analyze, and connect with fund managers globally. Offers solutions to track the global positions of fund managers, track the performance and portfolio metrics for favorite fund managers, track business data, view the manager investments of leading allocators, and more.
- Jan 2026Series A$4M
- Oct 2024Series A$5M
- Dec 2023Series A$3.7M
#4
Series A · Charlotte, North Carolina · founded 2020 · 43 employees$14Mraised▾
Provider of platform for accounting firms offering payments, practice, experience, tax. The platform provides payments automation, practice management software, client experience portal, and tax system. It offers integrations to connect with accounting firm technology. The platform aims to streamline work and create firm-wide visibility.
- Dec 2024Series A$113M
- Jul 2021Seed$14M
#5
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—
#6
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
#7
Seed · Charlotte, North Carolina · founded 2019 · 4 employees$7.8Mraised▾
Online platform for the financialization of crypto and NFT assets. It provides a platform for providing collateralized P2P loans backed by NFT digital assets. Its features include access to instant capital without selling assets, a platform with security, and liquidation prevention.
- Aug 2024Conventional Debt$70M
- Aug 2024Seed$5M
- 2022Seed$2.8M
- Seed—
#8
Acquired · Charlotte, North Carolina · founded 2000 · 1714 employees$1.2Braised▾
Accounts payable and payment automation solutions for businesses. Its features include purchase order management, automated invoice management, bill payments, utility bill management, check to print, and more. It offers automated invoice management software to manage invoices; bill payment automation software to manage supplier payments; purchase order automation software for automating the purchase-to-pay process.
- Sep 2020Series F$66M
- Jul 2020Series F$118.9M
- May 2020Series F$8M
- Apr 2020Series F$128M
#9
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
#10
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
#11
Series A · Charlotte, North Carolina · founded 2019 · 133 employees$22.2Mraised▾
Cloud-based debt management software. It provides solutions for governments and non-profits, financial advisors and bankers, law firms and accountants, and more. Its features include payment reminders, debt and payment tracking, document organization, lease management, subscription management, and more. It also facilitates automated refunding analysis.
- Jul 2023Series A$12.5M
- Aug 2022Series A$6.8M
- Dec 2021Seed$2M
- Sep 2020Seed$950.5K
#12
Series B · Charlotte, North Carolina · founded 2012 · 19 employees$29.2Mraised▾
Brokerage services and technology solutions for active traders and businesses. It provides a customizable trading platform with enhanced features. The company offers tools to simplify investing through an open collaboration platform. Robust APIs provide trading, market data, and brokerage services. Platforms include web, mobile, and a full-featured platform designed by industry experts. Services extend to options, stocks, and ETFs via a scalable, secure API for businesses and developers. The company offers access to trading, account management, and market data. It provides solutions for various platforms, emphasizing reliability and institutional-grade performance. Premium support is available via phone, email, and fax. The company caters to fintechs, educators, and advisors, offering integrated trading platforms. It also provides market insights through a weekly newsletter. The company focuses on delivering choice, value, and innovation through open technology, fostering a community of traders, providers, and developers.
- Apr 2023Series B$24.6M
- Sep 2016Series A—
- Jan 2015Conventional Debt$1.5M
- 2014Series A—
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of FinTech 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
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.