Affiniti is a New York-based fintech founded in 2022 by Aaron Bai and Sahil Phadnis to serve SMBs in HVAC, plumbing, community pharmacy, podiatry, and auto dealerships that have historically been ignored by modern fintech. The company partners with trade associations (including ACCA) to issue co-branded credit cards and layer on software like expense controls, receipt capture, and team cards.
The flagship product is the ACCA World Elite Business Mastercard, offering 2.1% cash back across all spend. Cardholders get physical and virtual cards, spend controls per employee, real-time transaction alerts, and built-in expense management.
Affiniti has raised roughly $62M total including an $11M seed and $17M Series A led by SignalFire in 2025, with approximately 1,800 customers and $20M/mo in transaction volume.