It's Time To Run Your Financial Operations Like a Fortune 500 Company

Fewer than 30%

Less than 30% of small businesses have a dedicated finance team, but every business needs financial control.

Replace outdated tools

Spreadsheets, manual expense reports, and community banks weren’t built for scale. Modern businesses need modern financial software.

Financial intelligence

Affiniti analyzes your business and industry in real time to deliver the insights you need to operate with confidence.

This economy was built by business owners like you. It’s time your finances worked as hard as you do.

Modern Financial Software For Forward-Thinking Business Owners

Checking Account

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

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.

LAUNCHING SOON

Live Financial Intelligence

So we can unlock business insights to optimize your cash.

Bill Pay

Track invoices and schedule payments in seconds.

Hear from the small business owners powering our economy.

“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.

“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.

“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, Mississippi) 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.

“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.

“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 40 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 40+ pharmacies across Washington, Oregon, and Idaho, dedicated to supporting the health of this diverse and vibrant region.