
Selling classmates’ cars led Nicholas “Nicky” Hinrichsen to Carlypso, Carvana and a second company with Chris Coleman. At Clutch, the unfinished business is helping credit unions make borrowing less cumbersome.

A German golf prospect became a used-car founder, sold to Carvana, and came back for the least glamorous layer of finance: the moment a customer asks a credit union to say yes.