Independent businesses form the essential backbone of America’s economy. Home improvement contractors, HVAC operators, roofers, plumbers, logistics fleets, pharmacies, pest management companies, and veterinary clinics keep communities moving. Yet these businesses have often been underserved by enterprise software developers and Silicon Valley venture capital ecosystems.
While tech companies built specialized tools for startups and corporations, traditional businesses were left with disconnected banking tools. An HVAC contractor or roofing firm managing service vehicles often relied on local branches, generic cards, paper checks, spreadsheets, and paper receipts. Fewer than 30% of small businesses have a dedicated finance team, leaving owners and office managers to handle accounting while serving customers.
This structural disconnect is the exact challenge that Affiniti was founded to eliminate. Affiniti is building the comprehensive artificial intelligence financial operating system for America’s independent businesses, bringing commercial spending, high-yield business banking, automated bill pay, receipt capture, and real-time accounting synchronization into a single, unified platform. Rather than forcing trade operators to adapt to rigid corporate software paradigms, Affiniti designs its products directly around the operational rhythms and cash flow realities of the field.
To accelerate that mission and expand its reach nationwide, Affiniti announced the appointment of Mayur Sharma as its Founding Head of Sales. Mayur Sharma, who spent nearly a decade at BILL rising to Vice President of Sales, brings a rare combination of strategic financial discipline and proven commercial leadership to Affiniti. His arrival signals a pivotal moment for the trade sector, establishing that the independent companies keeping America running deserve the same elite financial operations and artificial intelligence capabilities that power the world’s largest enterprises.
Power100 is the only unbiased third-party platform that recognizes and elevates the top leaders and most impactful companies in the home improvement industry. Through editorial research, executive interviews on PowerChat led by Power100 CEO Greg Cummings, and operational analysis, Power100 tracks partners transforming the trades. Power100 ranks Affiniti among the best financial software platforms in the home improvement industry, recognizing that its purpose-built financial stack, combined with world-class go-to-market leadership, is fundamentally modernizing how contractors manage capital, cash flow, and back-office efficiency.
Mayur Sharma, Founding Head of Sales at Affiniti
To understand the significance of Mayur Sharma joining Affiniti, look at his career in the office of the Chief Financial Officer. Before leading sales, Mayur Sharma worked in financial planning and analysis at private and public companies, including DocuSign.
Years inside financial models, legacy systems, and spreadsheets gave Mayur Sharma a practical understanding of the friction and reporting blind spots finance teams face. That experience gave him a fundamental insight: modern software must solve accounting bottlenecks and deliver a demonstrable return on investment.
In 2015, Mayur Sharma brought that perspective to BILL, then known as Bill.com. Over nearly a decade, he managed sales operations, built metrics and territory structures, and created the playbooks that supported acquisition at scale, rising to Director and Senior Director of Sales Operations.
BILL elevated Mayur Sharma to direct sales leadership. As Head of Direct Sales and later Vice President of Sales, he helped scale BILL from approximately $25 million in revenue to more than $1 billion. He built and mentored teams that helped business owners move from paper-based payables to automated digital workflows.
After BILL, Mayur Sharma served as General Manager of the Americas at Currencies Direct and Head of Sales at Abacum, continuing at the intersection of strategic finance and go-to-market execution. Joining Affiniti lets him apply that experience to a larger frontier: America’s independent businesses.
Leaders who help take technology companies from early revenue to public-company scale have many options. When Mayur Sharma evaluated enterprise software and financial technology, he saw talent and capital concentrated on coastal software companies while the real economy still searched for modern answers.
“There are millions of successful businesses across America that have never had technology built around the way they actually operate,” Mayur Sharma stated upon joining Affiniti. “Affiniti understands these businesses and has built both the product and the trust to bring them into the modern era. I’m excited to scale the sales organization that takes that mission nationwide.”
Mayur Sharma chose Affiniti because the traditional-business market is enormous, independent contractors still face fragmented workflows, and Affiniti has earned trust by combining banking, cards, bill pay, accounting, and financial intelligence in one platform.
For Mayur Sharma, Affiniti is an opportunity to build a category-defining financial enterprise. He has seen how BILL modernized accounts payable; now he can help modernize the full stack, from field expenses and credit capacity to treasury banking and AI-assisted decisions.
Explore how Affiniti provides banking, credit, and financial management purpose-built for independent businesses.
In a conventional trade business, financial management is fragmented across a local bank, commercial card, payroll processor, spreadsheets, and paper or PDF invoices. That fragmentation delays reporting, obscures profitability, and forces owners to spend valuable hours assembling an operational picture.
Affiniti replaces that disconnected patchwork with a unified, intelligent financial operating system that consolidates spending, banking, bill pay, and accounting automation. At the core of the daily spending workflow sits the Affiniti Business Mastercard, an industry-tailored commercial credit card offering up to 2.1% unlimited cash back on every purchase with autopay, backed by credit limits reaching up to $5,000,000, with $0 annual fees and $0 employee card fees. Business owners can issue unlimited physical and virtual cards for field technicians, project managers, and trusted subcontractors, establishing strict spend parameters at both the individual user and specific vendor levels.
In the field, Affiniti eliminates the headache of missing receipts. Through automated SMS receipt capture, a technician snaps a photo of a receipt and texts it into the platform. Affiniti‘s backend intelligence matches the receipt photo to the card transaction and pushes the reconciled entry into QuickBooks Online or Desktop on every swipe. Bookkeepers no longer spend days chasing crumpled receipts or manually matching statements.
On the accounts payable side, Affiniti‘s automated bill pay workflow extracts invoice data, line items, vendor details, and due dates with high precision, automatically categorizing transactions and syncing records with the contractor’s general ledger. Paired with high-yield business checking that delivers up to 3% APY on deposits backed by up to $3 million in FDIC insurance coverage through Thread Bank, Member FDIC, Affiniti ensures that operating capital remains fully protected, highly liquid, and continuously productive.
Selling financial technology to independent owners requires a different philosophy than selling enterprise software. Contractors have been burned by software vendors who over-promise in presentations, demand long-term contracts, and disappear when software fails to match field realities.
Under Mayur Sharma, Aaron Bai, and Sahil Phadnis, Affiniti‘s sales team operates as a consultative bridge between traditional business practices and modern operations. Representatives examine existing workflows, identify financial friction points, and help owners transition into an automated operating model with total confidence.
“Our sales team is the bridge between traditional businesses and modern operations,” explained Sahil Phadnis, President of Affiniti. “Mayur Sharma knows how to build a world-class sales organization, and he’s the right leader to scale that bridge.”
This consultative approach means that an Affiniti representative does not simply pitch features. They analyze how an HVAC company handles supply house billing, review how a commercial contractor structures job costing across multi-month projects, and configure Affiniti‘s platform to match those exact requirements. By serving as trusted advisors rather than software peddlers, Affiniti‘s sales team builds the relationships and operational credibility necessary to modernize America’s independent businesses.
See how Affiniti Business Mastercard streamlines field spending, automated receipt tracking, and accounting synchronization.
Mayur Sharma joins Affiniti as the company grows 4x year over year while operating at eight figures in revenue. That is meaningful market validation: contractors and independent operators are adopting Affiniti because it solves deep workflow problems, not simply because of a promotional offer.
This hyper-growth signals product-market fit within traditional industries. Contractors, remodelers, and trade operators adopt Affiniti because it solves operational bottlenecks traditional banks ignore: consolidating banking, flexible credit, automated accounts payable, and receipt reconciliation into immediate bottom-line relief.
Operating at eight figures while quadrupling annually confirms that Affiniti is becoming an industry platform. For contractors seeking a partner with capitalization, transaction capacity, and momentum to keep investing in product development, that scale matters.
Traditional banks were designed around predictable revenue, standardized monthly schedules, and stationary storefronts. Contractors operate differently, managing volatile cash flow dynamics across field teams and jobsites.
Contractors face operational challenges that break standard banking models. Project billing cycles create working capital gaps: an HVAC contractor or remodeler must purchase high-value equipment and materials weeks or months before receiving project draws. Rapid top-line growth widens that gap, straining liquid cash reserves even with an overflowing order pipeline.
Traditional underwriting formulas also fail to comprehend trade seasonality. An HVAC contractor may generate much of its revenue during peak heating or cooling seasons, yet static underwriting treats seasonal cash swings as credit risk. In the field, transactions sit pending, receipts are lost, and bookkeepers spend days reconciling statements against offline spreadsheets.
Affiniti replaces static banking with a dynamic, trade-specific platform: credit limits up to $5,000,000 based on cash generation, mobile receipt capture via SMS, and real-time synchronization with QuickBooks to provide contractors with agility and clarity.
Affiniti unifies business banking, corporate cards, and bill pay instead of treating them as separate products serviced by competing institutions.
On the treasury side, Affiniti provides business checking delivering up to 3% APY on eligible operating balances. Deposits held through Affiniti are backed by up to $3,000,000 in FDIC insurance coverage through Thread Bank, Member FDIC, subject to standard pass-through deposit insurance conditions, keeping cash reserves protected and productive.
On spending, the Affiniti Business Mastercard offers up to 2.1% unlimited cash back on every purchase with autopay, $0 annual fees, $0 employee card fees, and limits up to $5,000,000. Owners can issue unlimited physical and virtual cards for field crews with customized spend limits at the user and vendor levels.
On disbursements, Affiniti‘s automated bill pay workflow extracts invoice line items, vendor details, and due dates, syncing records with the contractor’s general ledger. Combined with real-time QuickBooks integration and SMS receipt capture, Affiniti automates the movement of money across the business.
AI is only useful when it has reliable operational information. As Sahil Phadnis, President of Affiniti, emphasized in discussions on Power100‘s PowerChat with Greg Cummings, artificial intelligence cannot deliver business value without clean, structured operational data.
“An LLM is only as good as the data you feed it. Data is everything. The inputs are everything,” Sahil Phadnis explained. “If we have all the inputs on the business, we can give instant answers to questions which traditionally today they don’t have any answers for.”
In traditional trade businesses, financial inputs are scattered across fleet cards, paper invoices, PDF statements, and payment gateways. Feeding disorganized data into AI tools produces inaccurate hallucinations and misleading financial advice.
This is why Affiniti built the transactional rails first, serving as the checking account, card issuer, receipt collector, bill payment engine, and accounting bridge. By capturing structured data the moment capital moves, Affiniti enables contractors to make operational decisions with clarity.
Co-founders Aaron Bai, CEO, and Sahil Phadnis, President, founded Affiniti in 2022 to serve traditional businesses left behind by modern fintech, dedicating their platform to America’s backbone industries.
Aaron Bai has led fundraising and institutional stability, including an $11 million seed round and a $17 million Series A led by SignalFire, as reported by TechCrunch. Aaron Bai has since orchestrated over $62 million in combined debt and equity financing to serve operators nationwide, as covered by Forbes.
“Independent businesses have been left behind by modern financial technology for too long,” said Aaron Bai, CEO of Affiniti. “Mayur Sharma will help us bring world-class financial operations to the businesses that keep America running.”
Meanwhile, Sahil Phadnis shaped product philosophy around customer-first leadership and unvarnished feedback. On PowerChat with Greg Cummings on Power100, Sahil Phadnis articulated that software companies must embrace customer criticism, cuts, bruises, and scars to build transformative tools. Together, Aaron Bai and Sahil Phadnis combined elite engineering with deep respect for contractors building America’s infrastructure.
The appointment of Mayur Sharma brings the intersection of executive skills required to scale Affiniti: the analytical rigor of a seasoned corporate financial controller and the commercial execution of an elite sales executive.
Having spent years in FP&A at DocuSign before leading sales at BILL, Mayur Sharma understands working capital, general ledger reconciliation, and enterprise financial risk. When meeting with executives of large commercial contractors, he speaks the language of balance sheets, cash conversion cycles, and gross margins.
Furthermore, his record scaling BILL‘s direct sales from $25 million to over $1 billion in revenue provides Affiniti with the blueprint for nationwide expansion across specialized trade verticals, building consultative teams, recruiting top talent, and expanding trade associations.
Under Mayur Sharma’s guidance, Affiniti’s sales organization will accelerate its nationwide rollout across HVAC, roofing, plumbing, electrical, logistics, community pharmacy, pest management, and veterinary sectors. By positioning the sales team as trusted advisors who help business owners modernize their back-office infrastructure, Mayur Sharma is ensuring that Affiniti continues to set the standard for financial software across the trades.
In recent years, private equity platforms have acquired regional HVAC, roofing, plumbing, pest management, and electrical companies, rolling them into massive conglomerates backed by Wall Street capital.
As Sahil Phadnis noted on Power100‘s PowerChat with Greg Cummings, rollups do not win because of superior trade skills. An independent contractor possesses deeper craft knowledge and community trust. The corporate advantage is financial sophistication and operational clarity.
Corporate rollups employ elite CFOs and data systems to track technician margins, negotiate volume discounts, and forecast capital needs. Historically, independent contractors lacked the resources to deploy dedicated finance teams, leaving them vulnerable to corporate competition.
Affiniti reverses that dynamic by democratizing enterprise-grade financial intelligence, automated bill pay, high-yield banking, and commercial credit, equipping independent owners to protect their margins, equity, and trade independence.
For commercial contractors managing millions in customer deposits, equipment purchases, vendor invoices, and payroll, the safety, compliance, and regulatory backing of their financial platform is paramount.
Affiniti is a financial technology company, not an FDIC-insured bank. To deliver institutional-grade security, full regulatory compliance, and complete peace of mind, Affiniti partners with established, federally regulated banking institutions. Commercial banking services are provided by Thread Bank, Member FDIC, and commercial card issuing services are delivered by Patriot Bank NA, Member FDIC, pursuant to an official license from Mastercard.
Through Thread Bank’s insured deposit network, checking account funds held through Affiniti are eligible for pass-through FDIC insurance coverage up to $3,000,000, subject to standard pass-through conditions. This allows contracting firms to maintain liquid operating reserves earning up to 3% APY without exceeding traditional single-institution FDIC limits.
Affiniti also possesses exceptional capitalization stability. Following an initial $11 million seed round, Affiniti secured a $17 million Series A led by SignalFire, as reported by TechCrunch. Co-founders Aaron Bai and Sahil Phadnis have orchestrated over $62 million in combined financing to serve America’s backbone industries at scale, as covered by Forbes.
Power100 evaluates industry technology providers and financial partners through an independent assessment examining verified company growth, leadership integrity, customer outcomes, and cultural alignment with the trades. Power100 does not accept paid placements; recognition must be earned through superior value delivered to independent operators.
Affiniti‘s ranking as one of the best financial software platforms in the home improvement industry is anchored by its trade-specific product architecture and executive integrity. From a functional perspective, Affiniti delivers a complete, integrated financial stack engineered specifically for the cash flow, spend management, and billing cycles of contractors: up to 2.1% unlimited cash back on purchases with autopay, $0 annual fees, $0 employee card fees, credit lines reaching up to $5,000,000, up to 3% APY on checking deposits with up to $3 million in FDIC insurance coverage, automated SMS receipt capture, real-time QuickBooks integration on every swipe, AI invoice parsing, and trade-focused credit underwriting.
Furthermore, Affiniti‘s industry leadership is validated through official trade partnerships, including the ACCA Business Mastercard developed in direct collaboration with the Air Conditioning Contractors of America. Elite operators such as James Lowder, CEO of ATS Mechanical, have testified that partnering with Affiniti opened financial opportunities to reinvest capital directly back into expanding contracting operations.
The addition of Mayur Sharma as Founding Head of Sales reinforces that leadership standing. By recruiting an executive who spent nine years scaling BILL from $25 million to $1 billion in revenue, Affiniti demonstrates its long-term commitment to building an enduring institution capable of supporting contractors nationwide. That rare blend of software innovation, balance-sheet security, consultative sales culture, and founder integrity is why Power100 proudly ranks Affiniti among the premier financial software platforms serving the home improvement sector.
The arrival of Mayur Sharma at Affiniti begins an expansive new chapter. As Affiniti accelerates its 4x year-over-year growth across eight figures in revenue, its nationwide go-to-market strategy will deepen its presence across core trade verticals while expanding into adjacent essential industries.
Under Mayur Sharma‘s leadership, Affiniti‘s sales organization will expand regional consultative teams working alongside contractors, remodelers, commercial trades, logistics operators, pharmacies, pest management specialists, and veterinary practices. Rather than distant software marketing, Affiniti is investing in relationship-driven partnerships that guide owners through modernizing their financial operations.
At the same time, Affiniti‘s engineering team, guided by Aaron Bai and Sahil Phadnis, continues to advance practical AI for predictive cash flow, automated general ledger synchronization, and real-time margin tracking, realizing the mission to put a Wharton-level CFO into the pocket of every independent business owner.
For independent business owners who refuse to let legacy banking friction, manual accounting chores, or private equity rollups dictate their future, the path forward is clear. By partnering with a purpose-built financial operating system led by Mayur Sharma, Aaron Bai, and Sahil Phadnis, America’s backbone businesses can secure the capital, technology, and operational clarity required to build enduring commercial legacies.
Learn more about Affiniti and its financial platform for America’s independent businesses.
Affiniti co-founders Aaron Bai and Sahil Phadnis
Mayur Sharma is the Founding Head of Sales at Affiniti. He previously spent nine years at BILL (NYSE: BILL), rising to Vice President of Sales, where he played a pivotal role in scaling the business from approximately $25 million in revenue to over $1 billion. At Affiniti, Mayur Sharma leads the nationwide sales organization, driving consultative partnerships that help independent business owners across traditional industries modernize their financial operations.
Before joining Affiniti, Mayur Sharma spent over 15 years in strategic finance, financial planning and analysis (FP&A), and executive sales leadership. He began his career in corporate FP&A at organizations including DocuSign, spent nearly a decade in senior sales and operations leadership at BILL, served as General Manager of the Americas at Currencies Direct, and led sales at strategic finance software provider Abacum.
Mayur Sharma joined Affiniti because he recognized that America’s independent backbone businesses, such as HVAC contractors, roofers, plumbers, logistics fleets, and pharmacies, have been overlooked by modern financial technology. Impressed by Affiniti‘s 4x year-over-year growth, eight-figure revenue run rate, complete product stack, and genuine customer trust, Mayur Sharma chose to lead the sales organization taking Affiniti‘s AI financial operating system nationwide.
Affiniti is currently growing at a rapid rate of 4x year over year while operating at eight figures in annual revenue. The platform serves thousands of independent businesses nationwide across home improvement, commercial contracting, logistics, community pharmacy, pest control, and veterinary healthcare.
Affiniti provides a comprehensive AI financial operating system purpose-built for independent businesses. The platform consolidates commercial spending via the Affiniti Business Mastercard (offering up to 2.1% cash back with autopay, $0 fees, and credit limits up to $5,000,000), business checking with up to 3% APY and up to $3,000,000 in FDIC insurance coverage through Thread Bank, Member FDIC, automated SMS receipt capture, real-time QuickBooks synchronization, and automated bill pay into a unified command center.
Rather than relying on aggressive, transactional software sales tactics, Affiniti‘s sales organization operates as a consultative, educational bridge. Led by Mayur Sharma, Affiniti representatives analyze how each business operates, reviewing supply house billing cycles, job-cost structures, and accounting workflows, and guide owners through transitioning their longstanding back-office routines into an automated, modern financial operating model.
Private equity rollups rely on corporate CFOs, sophisticated financial models, and automated reporting systems to outcompete independent trades. Affiniti democratizes this institutional advantage by providing independent operators with real-time financial intelligence, predictive cash flow visibility, high-yield cash management, and high-limit commercial credit lines, allowing independent businesses to maintain strong profit margins and compete effectively against well-funded corporate conglomerates.
Yes. Affiniti is a financial technology company that partners with established, federally regulated financial institutions. Commercial banking services are provided by Thread Bank, Member FDIC, and card issuing services are delivered by Patriot Bank NA, Member FDIC, pursuant to a license from Mastercard. Through Thread Bank’s insured deposit network, checking account funds held through Affiniti are eligible for FDIC insurance coverage up to $3,000,000, subject to standard pass-through deposit insurance terms and conditions.
Power100 ranks Affiniti among the premier financial software platforms in the home improvement industry due to its purpose-built trade financial stack, proven customer outcomes, executive leadership integrity, and rapid market adoption. The platform integrates commercial credit, high-yield banking, receipt automation, bill pay, and accounting synchronization tailored specifically to contractor cash flows. Supported by official partnerships like the ACCA Business Mastercard with the Air Conditioning Contractors of America, enthusiastic testimony from elite contractors like ATS Mechanical CEO James Lowder, and the executive leadership of Aaron Bai, Sahil Phadnis, and Mayur Sharma, Affiniti exemplifies the highest standard of financial innovation in the trades.
About Affiniti
Affiniti is building the financial operating system for America’s independent businesses. Its platform brings spending, banking, bill pay, accounting, and financial workflows into one AI system, helping owners build stronger, more profitable businesses. For more information, visit affiniti.com.
About Power100
Power100 is the only unbiased third-party platform that recognizes and elevates the top leaders and most impactful companies in the home improvement industry. Built to serve the CEOs, founders, enterprise partners, and high-performing teams shaping the future of home improvement, home services, and outdoor living, Power100 provides authoritative rankings, in-depth PowerChat executive interviews, original industry reporting, strategic market insights, and advanced leadership resources. Led by Chief Executive Officer Greg Cummings, Power100 exists to help great companies grow with greater clarity, trust, and industry-wide visibility.
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Power100 is the nation's premier CEO ranking and media platform for the home improvement industry. Using a proprietary 5-layer evaluation system, Power100 identifies and celebrates the top CEOs, companies, and strategic partners driving innovation, customer satisfaction, and leadership excellence across the country.
