Spotlight on Charlotte Based FinTech Startups Revolutionizing US Financial Services

January 28, 2024

As we welcome a new wave of startups into the financial services industry, it’s clear that Charlotte, North Carolina, is carving out a name for itself as a hub for financial innovation. Founded in 2020 and onwards, these companies are leveraging cutting-edge technology and disrupting established practices to provide unique value to customers in a variety of industries. Whether it’s by offering novel fintech solutions, throwing a lifeline to small and medium businesses, or reshaping the real estate investing landscape, these startups are worth keeping an eye on as they continue to grow and evolve.

The companies listed below open up an exciting glimpse into the present and future of the finance sector, in the context of both the local Charlotte business scene and the larger U.S. financial landscape. These startups illustrate how finance continues to adapt and change in response to technological advancements, customer demands, evolving regulatory landscapes, and more. Furthermore, the diversity and dynamism of these startups help to underscore the wide-ranging possibilities and opportunities that the finance industry continues to offer to entrepreneurs, investors, and customers alike.

Without further ado, let’s introduce you to some of the most noteworthy startups in Charlotte, North Carolina’s financial services sector, all which were founded in 2020 and later.

Secure Living

Secure Living operates in the Financial Services and Real Estate industry. Secure Living screen and pre-select real estate projects to provide hassle-free investment opportunities on their online platform. Follow them on Facebook, Twitter, and LinkedIn.

Flyp Financial

A consumer technology fintech company, Flyp Financial, was founded by Gary Zukowski. Flyp Financial provides affordable financial services and is based in Charlotte, North Carolina. Follow Flyp Financial on LinkedIn.

Sparta Wealth Partners

Sparta Wealth Partners offers advice and financial services catering specifically to small and medium businesses. They are located in Charlotte, North Carolina. Follow them on LinkedIn.

Healthy Coin

Healthy Coin operates in the Accounting, Advice, and Financial Services industry. They offer innovative and groundbreaking services from their Charlotte, North Carolina base. Follow Healthy Coin on Twitter and LinkedIn.

Cardinal Comp

Cardinal Comp offers a hands-on, concierge-level handling of every aspect of your workers’ compensation insurance program. They focus on loss prevention, risk management, and aggressive claims administration. Follow Cardinal Comp on LinkedIn.


Founded by Riaz Syed, Infinant is a FinTech company developing tools to help banks thrive in the digital fintech and finance markets. You can follow their journey on LinkedIn and Twitter.


Refundd, a Charlotte-based startup, offers compliance, financial services, fintech tools, and solutions to small and medium businesses. Follow Refundd on LinkedIn and Facebook.


ClearSpend helps small businesses reduce financial waste through the use of powerful commercial debit cards. Follow ClearSpend on LinkedIn and Twitter.


Salus’ mission is to assist people in improving their financial well-being. They collaborate with credit unions to provide innovative technology solutions. Follow Salus on LinkedIn.


Founded by Matthew Godley and Shannon Caulk, Spendly is a fintech/SaaS company for small and mid-sized business to save across all financial services. Follow Spendly on LinkedIn.

Blue Ridge Construction Capital

Founded by Ben Hughes and Casey Rentch, Blue Ridge Construction Capital invests in family and founder owned businesses in the building products and construction industry. Follow them on LinkedIn.

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