America’s financial operating system

Cards, Banking, Accounts Payable, and Expense Management all in one place. So you can get back to building the businesses that are building America.

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Affiniti is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Card services provided by Patriot Bank NA, Member FDIC.

Wall Street thinks your story is over. Main Street is proving it’s just getting started.

Affiniti powers the owners keeping the American Dream alive.

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Map of Affiniti customers across the United States
Nate Saxton, CEO of Nuvant Roofing
Nuvant Roofing
Columbus, Ohio
Paul Eddy of Cosby Heating and Cooling
Cosby Heating and Cooling
Mount Vernon, Virginia
The Semmes Pharmacy team outside their store
Semmes Pharmacy
Semmes, Alabama
3,300+

Independently owned business owners across America, and growing.

The tools to compete. The freedom to grow. The opportunity to build your American Dream.

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Get up and running
Credit cardsCredit cards

Credit cards

Margins thinning? Make every purchase count. Earn up to 2.1% back on the spend you already have. Additional categories: 3.1% on fuel and 6.1% on hotels and restaurants.1

AP CardAP Card

AP Card

Getting hit with card surcharges? Skip the fee and earn 1% back on spend that used to earn nothing.2

Automated accounts payableAutomated accounts payable

Automated accounts payable

Keying in bills by hand? Process, code, approve, and sync them in minutes.

Expense managementExpense management

Expense management

Receipts everywhere? We capture them, match them, and keep your books clean.

BankingBanking

Banking

Cash losing value in checking? Earn up to 3% while keeping it ready for payroll, inventory, and bills.3

Automated accountingAutomated accounting

Automated accounting

Coding expenses by hand? We'll handle it so you can focus on serving your community.

Pay by cardPay by card

Pay by card

Vendor won't take cards? Pay them anyway, earn rewards, and keep cash in the business longer.4

Your business adapted to a changing world. It’s time your finances caught up.

Replace yesterday’s financial workflows with a platform built to power what comes next.

Receipts, mail, a calculator, spreadsheets, bank statements and invoices, all linked to Affiniti
Filing cabinet drawers stuffed with paper foldersFax machine on a cluttered deskPaper receipts pinned across a boardPrinted spreadsheet next to a calculatorOpened envelopes and letters on a deskCalculator and paper bills beside a laptopStack of paper invoices stamped past dueLaptop showing a cash flow dashboardCluttered office desk with a bank balance on screen, a calculator and a fax machineCrumpled paper receiptLong paper receipt from a plumbing supplierCrumpled invoice stamped past dueBank transactions screen in accounting softwareUnpaid invoice attachment cardSticky note reading Month-End MayhemSticky note reading Receipt ChaosSticky note reading Invoice PileupSticky note reading Cash Flow SqueezeSticky note reading Spreadsheet Hell
Your Finances, Finally Unified.

One platform. Every financial workflow.

Let us turn chaos into simplicity

Get the power of a full-time finance team without adding headcount.

The platform for you to take on AI transformation, private equity, inflation, and whatever comes next.

Reduce overhead today
Your bills, handled
Your books, closed for you
Expense reports file themselves
Cards that follow your rules
1 / 4

Your Bills, Handled

A month of vendor bills handled in minutes: from invoice intake and coding to approvals, payment, and ERP sync.

2 / 4

Your books, closed for you

Put a stop to month-end mayhem. We learn how you account for transactions, and we'll code every transaction to the right GL account, project, job, and class for your approval.

3 / 4

Expense Reports File Themselves

We’ll do the chasing: 1,000 expenses, 1,000 receipts captured, matched, and ready for the books.

4 / 4

Cards That Follow Your Rules

Every dollar spent the right way: control where, when, and how your team can spend.

We bring the human back to finance. Real people. Real support.

Affiniti support agent on a headset call

Real humans.
No AI runaround.

US-based support
from people who understand
your business.

24/7 support by phone,
text, or email.

America’s backbone has spoken. A brighter future starts here.

Tom Darling
I thought it was just another business card. Boy, was I wrong. Affiniti brings together software, AI, and the tools we’ve been told would transform our industry, andactually puts them to work for us."
Tom Darling
Owner, Empire State Plumbing
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View Success Story
Jeff Harrell
We’re on track to grow from 50 pharmacies to 100without adding to our finance team. Affiniti’s workflow automations are doing the work of several employees we’d otherwise need to hire.”
Jeff Harrell
CEO, Cascadia Pharmacy Group
See a Demo
View Success Story
Nate Saxton
Affiniti gives us the financial clarity to scale without adding overhead.Savings no points or cash back can match."
Nate Saxton
Founder, Nuvant Roofing
See a Demo
View Success Story

Trust is earned. So don't take our word for it. Hear it from the people who've had your back all along.

Heather McGinnis
Loved by finance teams

“Affiniti made what could have been a complex, disruptive transition across 21 entities seamless. Now, I’m closing our books faster than I thought possible.”

Heather McGinnis
Director of Accounting, Summers Pharmacy
Mark Ey, RPH
Backed by trade associations

“This isn't just a card; it's a testament to our unwavering commitment to supporting those on the front lines of health care.”

Mark Ey, RPH
Chief Operating Officer, NCPA
ACCA
NCPA
NPMA
AVMA
APMA

When Main Street wins, America wins.

Affiniti exists to support the businesses that employ our communities, strengthen our economy, and keep America moving. This is more than finance. It’s the financial foundation for the future of the American dream.

Join the Movement
$1.5M
in increased cash flow
20
businesses managed on one platform.
$66K
saved through better spend controls and cash back.
$720K
in checks converted to card payments.
$1.5M
in increased cash flow
50%
reduction in finance headcount while supporting record growth.
78%
fewer AP processing hours
80%
less time spent on AP
50
hours a year saved on AP procurement

For too long, America’s backbone has been left behind. That ends now.

Join the hardest working business owners transforming how they spend, bank, and grow.

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