NIADA Business Mastercard (Affiniti) — DealerRefresh Vendor Library

Here is the complete sales brief: --- ## Company Research — NIADA Business Mastercard (Affiniti) --- ### About NIADA Business Mastercard (Affiniti) Founded in 2022 by Aaron Bai and Sahil Phadnis, Affiniti is a financial technology company that provides an all-in-one financial operating system specifically designed for SMBs in industries that have been historically overlooked by modern fintech. Affiniti Finance specializes in launching industry-specific business credit cards in collaboration with industry professionals and affinity groups, and works with many of the largest associations across the United States to create credit card programs for an audience of over 2,000,000 small business owners. Affiniti is headquartered in New York, NY, has approximately 44 total employees, and operates in the financial software sector as a private company. --- ### What They Do - **Program Manager for Co-Branded Mastercards:** Affiniti Finance, Inc. is the program manager of the NIADA World Elite Business Mastercard and is responsible for its operations, including card issuance, rewards, management, and customer service. - **Cash Back Rewards:** Up to 2.1% unlimited cash back — no points, no low caps. - **Expense Management Platform:** Supports QuickBooks integration, no annual fees, no employee card fees, and no impact on personal credit when applying. - **Short-Term Invoice Lending:** Currently offers customized cash-back rewards, native QuickBooks .qbo files (not just CSVs), and short-term loans up to 90 days against invoices. - **Industry-Tailored Features:** Cards developed in collaboration with various professional and affinity groups, with rewards programs focused on maximizing cash back in areas of high spending for each industry, plus negotiated group purchasing discounts with vendors, unlimited employee cards, expense management tools, and dedicated customer support. - **Notable Partnerships / Customers:** - The National Independent Automobile Dealers Association (NIADA) — one of the nation's largest trade associations, representing the used motor vehicle industry. - The National Association of REALTORS® (NAR), announced as a new Affiniti partner launching the NAR World Elite Business Mastercard. - The Medical Association of Georgia (MAG), for the MAG Business Mastercard — a customized service for the medical community in Georgia. - The American Podiatric Medical Association (APMA), for the APMA Business Mastercard. - **Recent News:** - Founders Aaron Bai and Sahil Phadnis raised a $17M Series A led by SignalFire to build the kind of expense management software for main street small businesses that tech startups have enjoyed for years. - In its first 14 months, Affiniti went from zero to 1,800 customers and about $20 million a month in transaction volume, with the founders projecting the platform is on track to make $1 billion in transactions by end of year. - The NIADA World Elite Business Mastercard was officially announced in early 2025, with no impact on personal credit when dealers apply. --- ### DealerRefresh Audience Fit Affiniti's NIADA card is **purpose-built for independent used car dealers** — the exact audience that reads DealerRefresh daily. The card addresses a real pain point: dealerships often operate without a finance team and need streamlined expense management, working capital access, and cash back on the high-volume spending (parts, inventory, auctions, vendor invoices) that defines auto retail. Affiniti builds expense management software specifically for auto dealerships, offering credit cards with customized cashback rewards, native QuickBooks file integration, and short-term loans against invoices. **Which DealerRefresh products fit, and why:** - **Forum Banners** — Ideal for top-of-funnel brand awareness. Dealer principals and GMs making financial decisions for their stores are active in the forum. A daily-visibility placement puts the NIADA card in front of decision-makers at the exact moment they're thinking about operations and vendor management. - **Retargeting Pixel** — Strong fit. DealerRefresh visitors who don't convert immediately can be followed on Facebook/Instagram with a direct-response creative (e.g., "Earn 2.1% cash back on every dealership dollar — apply in minutes"). Affiniti operates with a lean growth team, already tasked with manually locating target accounts, tracking qualification data, and drafting personalized sequences — retargeting automates exactly that problem for the dealer vertical. - **Demo / Review Video** — Excellent fit. "V3 fintech," in Bai's framing, is a product that can actually advise end users and give them analytics — because "these traditional small businesses don't have a finance team." Alex & Jeff explaining *why* the NIADA card is different from an Amex or Chase card — in dealer-specific terms — would resonate powerfully with the DealerRefresh audience who trust peer-