Cash flow troubling your business?

We equip owners with an industry-tailored credit card, bank account, and bill pay platform — built to solve the cash flow issues holding you back.

Industries We Support
Partnering with leading industry trade associations to empower small businesses

82% of small businesses fail due to cash flow problems.

Fewer than 30%

of small businesses have full-time finance functions.

Outdated tools

Spreadsheets, manual expense reports, and legacy community banks.

No industry insight

Financial tools need industry context. Your current bank doesn't understand how tariffs affect your business.

Affiniti helps transform cash flow management for forward-thinking businesses like yours.

We give you the tools to solve cash flow

LAUNCHING SOON

Checking Account

Earn up to 3% APY on every dollar, backed by FDIC insurance coverage up to $3 million.1

Affiniti financial graph showing $1,000,000 balance with $30,000 annual interest

Credit Card

Earn up to 2.1% unlimited cash back on every dollar spent.2

Accounting Automation

Close books in minutes, not days.

Expense Management

Know every dollar spent within your business.

Affiniti transaction receipt from Johnstone Supply for AC repair parts
LAUNCHING SOON

Industry Specific Integrations

So we can unlock business insights to optimize your cash.

LAUNCHING SOON

Bill Pay

Track invoices and schedule payments in seconds.

Affiniti business checking account screen with $287,450 balance, Pay Bill Now button

The CFO software for your pharmacy

The CFO software for your auto dealership

The CFO software for your HVACR business

Hear from the small business owners powering our economy.

“The ACCA Mastercard is simple, intuitive, and easy to use, which makes a big difference because nobody has time to deal with anything complicated. Now, if an opportunity comes along, I can take care of it, whereas before, without access to capital, you’d be left behind. For me, it’s a no-brainer.”

Paul Eddy
Cosby Heating & Cooling
Cosby has provided heating and cooling services to Knox County and the surrounding Ohio area since 1982.
Paul EddyPaul Eddy

“The NCPA Mastercard is my go-to partner for managing all of Cascadia Pharmacy Group’s financial operations: credit cards, expense management, and more. I’ve already brought 28 of my pharmacies onboard. With generous cash back, credit lines, and outstanding customer service, this is by far the best business financial service I’ve ever used.”

Cascadia Pharmacy Group
Ilwaco, WA
Cascadia Pharmacy Group is a network of 30+ pharmacies across Washington, Oregon, and Idaho, dedicated to supporting the health of this diverse and vibrant region.
Cascadia Pharmacy GroupCascadia Pharmacy Group

“The NCPA Mastercard provides me with critical tools to more efficiently manage my pharmacy. From its cutting-edge expense management technology to its unrivaled cash back rewards program, this card is designed specifically to maximize the success of any independent pharmacy regardless of size.”

Semmes Pharmacy
Semmes, AL
Semmes Pharmacy is a locally owned, full-service independent pharmacy serving Semmes, Alabama, and the greater Mobile County area
Semmes PharmacySemmes Pharmacy

“I never really stopped to think about how I was running the financial side of my business. But after using the ACCA Mastercard, I understand how important financial sophistication really is. I’m just glad I have this tool in my toolbox now.

As I scale toward eight figures in revenue, I feel confident using this as my go-to solution”

Bast Heating & Cooling
Pittsburgh, PA
Bast Heating & Cooling is a veteran-owned and operated HVAC and hot water heater service company serving Southwestern Pennsylvania.
Bast Heating & CoolingBast Heating & Cooling

“I believe the NCPA Business Mastercard is one of the few financial tools that truly aligns with my values. They take care of me the same way I strive to take care of my customers...

And every tool they launch reflects a commitment to quality. That kind of alignment genuinely excites me about what they’re building.”

Myers Apothecary
Oxford, MS
Myers Apothecary (located in Oxford, Mississipi) is more than a pharmacy—from traditional prescriptions to specialized compounding for fertility, sexual wellness, and even pets, their services are as diverse as the needs they serve.
Myers ApothecaryMyers Apothecary