Fractional CTO Services in Charlotte
The best Fractional CTO Services in Charlotte, at the best available price.
You have engineers, or contractors, or an agency, and no one whose job is to decide whether the architecture, the spend and the hiring plan are right. That is the gap: ten to twenty hours a month from someone who has built and run the thing you are building, and who will tell you when you are about to spend money you do not need to.
Charlotte is the second-largest banking centre in the US, home to major bank headquarters and large operations of others, with a growing fintech scene around them. Much of the software demand comes from banks, their vendors and the startups selling to them, so vendor risk reviews shape almost every project.
Charlotte fintechs often need someone who can sit across from a bank's risk and technology teams and answer their questions. A fractional CTO does that alongside architecture and hiring.
What you get
- Architecture decisions made and written down, with the trade-offs stated rather than assumed
- Infrastructure and AI spend reviewed against what you actually use, not what you provisioned
- Hiring: what roles you need next, what to test for, and which hires to delay
- A technical voice in investor and customer conversations when you need one
- Honest counsel on build versus buy, including when the answer is to buy
Scoped to the hours you actually need. Month to month, with no long lock-in, because a fractional CTO you cannot leave is just an expensive employee.
Invoiced in USD, payable by Wise or bank transfer.
Request a callback
You speak to the engineer who does the work. No sales rep, no deck.
Who builds here
On-Premise LLM Deployment
Charlotte's banks and the vendors selling to them need AI that passes third-party risk and model risk reviews, and a model inside the bank's own environment is the cleanest route.
What Charlotte companies build with us
Get it built at $0.
That is not a discount. It is when you pay. The work is split into checkpoints with acceptance criteria written down before anything starts, and each checkpoint is invoiced only after you have seen it and accepted it. No deposit.
- $0 to start
- You hold every dollar until a checkpoint is delivered and you accept it. No approval, no invoice.
- Fixed cost, unlimited features
- Or hire the team outright: one fixed monthly cost, unlimited feature development, any stack.
- The engineer takes your call
- The person on your first call is the one who architects and writes it. No account managers, no bench time.
A US agency quotes $50,000 to $150,000 for the same build and asks for 40 to 50% of it before a line is written. Account managers, project managers, sales commission and bench time. None of it appears in your product.
Three stages, nothing hidden.
Twenty-minute call
We work out whether you need a fractional CTO at all. Plenty of teams need one good senior engineer instead, and that is a cheaper answer worth hearing.
First month, diagnostic
Architecture, infrastructure spend, delivery process and team shape reviewed, with the findings written down plainly and prioritised by what they cost you.
Ongoing retainer
A fixed block of hours each month. Regular reviews, decisions when they are needed, and direct access rather than a ticket queue.
What actually applies here.
Regulation and data
Banks follow the federal banking regulators' interagency guidance on third-party risk management, issued in 2023, which shapes the due diligence, contracts and monitoring they require of every technology vendor. Model risk management guidance means any AI used in a bank's decisions needs documented validation and oversight. North Carolina has no comprehensive consumer privacy law yet, so federal financial privacy rules and the state's breach notification law do most of the work.
Contracting and payment
You contract with an individual consultant based in India rather than a US entity. Invoices are issued in USD and paid by Wise or bank transfer, with no payroll and no benefits load on your side. Whatever documentation your finance team or counsel needs from an overseas contractor is provided before work starts.
Working hours
Four or more hours of daily overlap with Eastern time, calls in your morning, and same-day replies on working days.
Can you help us pass a bank's third-party risk review?
Yes. We build the controls they ask about, such as access logging, encryption and incident response, and help prepare the documentation. Formal certifications such as SOC 2 come from an auditor.
What does model risk management mean for an AI feature?
Documenting what the model is for, its limits, how it was tested and how it is monitored, with a person accountable for it. We build those records alongside the feature.
Do we actually need a fractional CTO?
Often not, and you will be told so. If the real problem is that nobody is building fast enough, a senior engineer is a better spend. A fractional CTO earns its cost when the expensive decisions are the bottleneck: architecture, infrastructure spend, build versus buy, and who to hire next.
How is this different from an advisor?
An advisor gives opinions. This role makes decisions, writes them down, and is accountable for them. Where it helps, the work is done rather than delegated, including the parts that involve opening the codebase.
What happens to our existing team?
They keep building. The role is to remove the decisions that block them and to be honest with you about where the team is short, which is usually a smaller gap than founders fear.
Fractional CTO
Senior technical leadership, 10-20 hrs/month: architecture, AI strategy, cost control.