Gardiner Garrard

Fintech VC

📍 Atlanta, Georgia, United States🔄 Updated September 2026💼 24 investments📅 26 years investing🗓 Last invested Feb 2021
Operator-angel🌍 United States20+ investments
24
Total investments
7
Early stage
6
Mid stage
2
Late stage
26y
Years active

Portfolio

16 investments · sorted by recency
All investments
Early stage
Mid stage
Late stage
Board Member and Investor
Feb 2021
Greenwood is a mobile banking platform for Black and Latinx people and business owners. Greenwood features best-in-class digital banking services and innovative ways of giving back to the community. Our communities suffer from a lack of wealth, money circulation in the Black community, and generational transfer. That is why we created a new Black owned financial institution. A mobile banking platform inspired by the early 1900’s Greenwood District, where recirculation of Black wealth occurred all day, every day, and where Black businesses thrived. Today’s Greenwood is a Black owned banking system developed by us, for us. This is our time. *Greenwood is not a bank. Banking services provided by Coastal Community Bank, Member FDIC.
Board Member and Investor
Feb 2020
Welcome Tech is the worlds first digital platform to provide the global, multigenerational immigrant community with the linguistically and culturally relevant resources to thrive in a new country. Welcome Techs unparalleled consumer insights, first-party data, and proprietary technology inform affordable, fair, and best in-market custom solutions across key services. Our initial and highly reputable immigrant platform, SABEResPODER, currently serves millions of Hispanics.
Early Investor
Nov 2019
Taxbit is the premier AI-enabled information reporting and analytics platform built by tax experts to simplify regulatory compliance for the digital economy. Trusted by leading crypto brokers, Fortune 500 companies, financial institutions, and governments, Taxbit automates complex reporting and seamlessly enables scalable and audit-ready compliance worldwide.
Board Member and Investor
Jan 2019
Greenlight is a debit card and money app for families. Our mission is to shine a light on the world of money for families and empower parents to raise financially-smart kids. Millions of parents and kids use Greenlight to earn, save, spend wisely, give, and invest. Parents can set flexible spend controls, manage chores, automate allowances, and invest for their kids’ futures. The Greenlight team calls Atlanta home, but we have team members across the country. We’re pet enthusiasts, PTA presidents, fantasy football champs, kickball-mates, and volunteer dance teachers. We’re backed by Drive Capital, JP Morgan Chase, Wells Fargo, TTV Capital, Relay Ventures, NEA, Amazon, Ally Financial, SunTrust Bank, and Synchrony Financial. We were picked for CB Insights’ Fintech 250. Inspired? Apply to join our team: https://greenlight.com/careers/
Board Observer and Investor
Jan 2017
We Fix Your 401k for You and Keep it Fixed: you ditch your current strategy of ignoring-it, meaning-to-get-around-to-it, and hoping-for-the-best. After all, you and your family are going to depend on your 401k someday...you better get it right. And you if you aren’t doing it, you better find someone to do it for you.
Board Member and Investor
May 2016
Featurespace™ is the world leader in Enterprise Financial Crime prevention for fraud and Anti-Money Laundering. Featurespace invented Adaptive Behavioral Analytics and created the ARIC™ platform, a real-time machine learning software that risk scores events in more than 180 countries to prevent fraud and financial crime.  ARIC™ Risk Hub uses advanced, explainable anomaly detection to enable financial institutions to automatically identify risk, catch new fraud attacks and identify suspicious activity in real time. More than 30 major global financial institutions are using ARIC to protect their business and their customers. Publicly announced customers include HSBC, TSYS, Worldpay, NatWest Group, Contis, Danske Bank, ClearBank and Permanent TSB. To find out more visit: www.featurespace.com
Early Investor
Apr 2016
SmartAsset is an online destination for consumer-focused financial information and advice that powers SmartAdvisor, a national marketplace connecting consumers to financial advisors. Reaching approximately 75 million people each month (as of Sept. 2021) through its educational content and personalized calculators and tools, SmartAssets mission is to help people make smart financial decisions. Ranked on the Inc. 5000 and Deloitte Technology Fast 500™ lists of fastest growing companies in 2021, SmartAsset closed a $110 million Series D round, valuing the company at over $1 billion. SmartAsset was also named to Y Combinators list of Top 100 Companies of all time and Forbes list of Americas Best Startup Employers in 2020. SmartAsset has been featured in hundreds of publications, including the Wall Street Journal, CNN, TechCrunch, The New York Times, CNBC, FOX Business, The Washington Post, U.S. News World Report, TIME, Reuters, Businessweek and Barron’s.
Board Observer and Investor
May 2014
The first and most experienced company in bitcoin payments, BitPay builds powerful tools for spending, accepting, and building with bitcoin. The company has offices in North America, Europe, and South America and has raised over $70 million from top investors including Index Ventures, Aquiline Technology Growth, Menlo Ventures, Founders Fund, and Sir Richard Branson.
Board Member and Investor
Dec 2011
Powering the businesses that are the backbone of the global economy, Lightspeed’s one-stop commerce platform helps merchants innovate to simplify, scale and provide exceptional customer experiences.
Early Investor
Jun 2007
BILL (NYSE: BILL) is a leader in financial automation software for small and midsize businesses (SMBs). We are dedicated to automating the future of finance so businesses can thrive. Hundreds of thousands of businesses trust BILL solutions to manage financial workflows, including payables, receivables, and spend and expense management. BILL occasionally uses AI-generated images in marketing materials for illustrative purposes only.
Board Member and Investor
Jun 2007
Ftrans Monitoring allows banks to monitor their C&I loan portfolios by providing complete insight into the loan portfolio and its underlying borrowing base, outstanding receivables and financial statements to manage line availability and to quickly see signs of distress. With Ftrans Monitoring banks can increase their asset base—and their revenue—by enabling loans that were previously too risky or burdensome to underwrite. With Ftrans Monitoring, lenders cab extend smaller working capital loans against a borrowing base, increasing their ability to examine, monitor and track the quality of borrowers’ AR-as-collateral cost effectively. Ftrans credit scores and risk indexes your borrowers’ customers so you can adjust advance rates to decrease your exposure. With Ftrans Monitoring, lenders can systematically manage the key risks of SMB working capital lending.
Early Investor
Apr 2006
Cardlytics (NASDAQ: CDLX) is a commerce media platform, powered by our publishers’ first-party purchase data, that makes commerce smarter and more rewarding for everyone. We offer a range of solutions to help advertisers and publishers, including financial institutions, grow and strengthen customer loyalty. With visibility into approximately half of all card-based transactions in the U.S. and a quarter in the U.K., Cardlytics enables advertisers to engage consumers at scale and drive incremental sales through our industry-leading financial media network. Publisher partners can enhance their platforms with relevant and personalized offers that improve the shopping experience for their customers. Cardlytics also offers identity resolution capabilities through Bridg, which helps convert anonymous shoppers into known and reachable customers. Headquartered in Atlanta, Cardlytics has offices in Menlo Park, Los Angeles, Champaign, New York, London and Taipei City. Learn more at www.cardlytics.com.
Previous Board Member and Investor
Jul 2001
Today’s organizations are playing catch-up, chasing alerts with a scarcity of experienced people, time and budget. It’s time to change the rules of engagement with SilverSky, the world’s leading Managed Detection and Response platform for threat detection, log management and response. SilverSky gives our customers enhanced Vision, Velocity and Vigilance. The Vision to be an advanced technology company, developing the depth and complexity of analysis to shield them from cyber risk, regardless of their size or journey. The Velocity to attack cyber risk at light speed, constantly ramping up our rate of learning, and slashing the time to detect and respond. The Vigilance to combine deep human experience, military-grade behavioral tracking, and machine learning, to protect our customers’ attack surface as vigorously as their bottom lines. By delivering consistently on these values, our SOC teams’ customer satisfaction rating is over 98% globally. With over twenty years of experience in cybersecurity, we’ve learned the best way to stay ahead of the game, is to change it.
Previous Investor
Apr 2001
Green Dot is a financial technology and registered bank holding company committed to delivering trusted, best-in-class money management and payment solutions to customers and partners, seamlessly connecting people to their money. Green Dot’s proprietary technology enables it to build products and features that address the most pressing financial challenges of consumers and businesses, transforming the way they manage and move money and making financial empowerment more accessible for all. Green Dot offers a broad set of financial services to consumers and businesses including debit, checking, credit, prepaid, and payroll cards, as well as robust money processing services, tax refunds, cash deposits and disbursements. Its flagship digital banking platform GO2bank offers consumers simple and accessible mobile banking designed to help improve financial health over time. The company’s banking platform services business enables a growing list of the world’s largest and most trusted consumer and technology brands to deploy customized, seamless, value-driven money management solutions for their customers. Founded in 1999, Green Dot has served more than 33 million customers directly and many millions more through its partners. The Green Dot Network of more than 90,000 retail distribution locations nationwide, more than all remaining bank branches in the U.S. combined, enables it to operate primarily as a “branchless bank.” Green Dot Bank is a subsidiary of Green Dot Corporation and member of the FDIC . For more information about Green Dot’s products and services, please visit www.greendot.com. +++ The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Green Dot Corporation, NMLS ID #914924 at 1100 North Eutaw Street, Suite 611; Baltimore, MD 21201, phone 888-784-0136. NMLS Consumer Access: https://nmlsconsumeraccess.org/
Early Investor
Apr 2001
Green Dot is a financial technology and registered bank holding company committed to delivering trusted, best-in-class money management and payment solutions to customers and partners, seamlessly connecting people to their money. Green Dot’s proprietary technology enables it to build products and features that address the most pressing financial challenges of consumers and businesses, transforming the way they manage and move money and making financial empowerment more accessible for all. Green Dot offers a broad set of financial services to consumers and businesses including debit, checking, credit, prepaid, and payroll cards, as well as robust money processing services, tax refunds, cash deposits and disbursements. Its flagship digital banking platform GO2bank offers consumers simple and accessible mobile banking designed to help improve financial health over time. The company’s banking platform services business enables a growing list of the world’s largest and most trusted consumer and technology brands to deploy customized, seamless, value-driven money management solutions for their customers. Founded in 1999, Green Dot has served more than 33 million customers directly and many millions more through its partners. The Green Dot Network of more than 90,000 retail distribution locations nationwide, more than all remaining bank branches in the U.S. combined, enables it to operate primarily as a “branchless bank.” Green Dot Bank is a subsidiary of Green Dot Corporation and member of the FDIC . For more information about Green Dot’s products and services, please visit www.greendot.com. +++ The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding Green Dot Corporation, NMLS ID #914924 at 1100 North Eutaw Street, Suite 611; Baltimore, MD 21201, phone 888-784-0136. NMLS Consumer Access: https://nmlsconsumeraccess.org/
Show all 16 investments ↓
Experience · 25 entries
All (25)
Investments (24)
Founder (1)
Board (18)
2021
Board Member and Investor
Feb 2021
Greenwood is a mobile banking platform for Black and Latinx people and business owners. Greenwood features best-in-class digital banking services and innovative ways of giving back to the community. Our communities suffer from a lack of wealth, money circulation in the Black community, and generational transfer. That is why we created a new Black owned financial institution. A mobile banking platform inspired by the early 1900’s Greenwood District, where recirculation of Black wealth occurred all day, every day, and where Black businesses thrived. Today’s Greenwood is a Black owned banking system developed by us, for us. This is our time. *Greenwood is not a bank. Banking services provided by Coastal Community Bank, Member FDIC.
2020
Board Member and Investor
Feb 2020
Welcome Tech is the worlds first digital platform to provide the global, multigenerational immigrant community with the linguistically and culturally relevant resources to thrive in a new country. Welcome Techs unparalleled consumer insights, first-party data, and proprietary technology inform affordable, fair, and best in-market custom solutions across key services. Our initial and highly reputable immigrant platform, SABEResPODER, currently serves millions of Hispanics.
2019
Early Investor
Nov 2019
Taxbit is the premier AI-enabled information reporting and analytics platform built by tax experts to simplify regulatory compliance for the digital economy. Trusted by leading crypto brokers, Fortune 500 companies, financial institutions, and governments, Taxbit automates complex reporting and seamlessly enables scalable and audit-ready compliance worldwide.
Board Member and Investor
Jan 2019
Greenlight is a debit card and money app for families. Our mission is to shine a light on the world of money for families and empower parents to raise financially-smart kids. Millions of parents and kids use Greenlight to earn, save, spend wisely, give, and invest. Parents can set flexible spend controls, manage chores, automate allowances, and invest for their kids’ futures. The Greenlight team calls Atlanta home, but we have team members across the country. We’re pet enthusiasts, PTA presidents, fantasy football champs, kickball-mates, and volunteer dance teachers. We’re backed by Drive Capital, JP Morgan Chase, Wells Fargo, TTV Capital, Relay Ventures, NEA, Amazon, Ally Financial, SunTrust Bank, and Synchrony Financial. We were picked for CB Insights’ Fintech 250. Inspired? Apply to join our team: https://greenlight.com/careers/
2017
Board Observer and Investor
Jan 2017
We Fix Your 401k for You and Keep it Fixed: you ditch your current strategy of ignoring-it, meaning-to-get-around-to-it, and hoping-for-the-best. After all, you and your family are going to depend on your 401k someday...you better get it right. And you if you aren’t doing it, you better find someone to do it for you.
Show all 25 entries ↓
Investment activity
2000–2021 · 24 investments
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