S
Preferred Partner · Power100 Expert Contributor

Sahil
Phadnis

Co-Founder/President, Affiniti

Helping independently owned contractors compete with the financial infrastructure of the largest enterprises.
2022Years in Industry
18MRevenue Impact
NationalMarkets Served
3,000+businesses served
★ EXPERTPower100 Verified

Why Sahil Phadnis
Is The Expert

Sahil Phadnis is the Co-Founder and President of Affiniti, a fintech company he launched in 2022 alongside co-founder Aaron Bai with a mission to bring enterprise-grade financial infrastructure to independently owned small businesses — including contractors and trades operators across America. A UC Berkeley EECS dropout who left after just three months, Phadnis had already built and led Social Outreach LLC and Pebble before zeroing in on the gap he observed in the SMB market: great operators running real revenue businesses still saddled with outdated financial tools. Affiniti closed an $11 million seed round and followed it with a $17 million Series A led by SignalFire just six months later, reaching $10M ARR — a trajectory that earned Phadnis and Bai widespread press coverage including TechCrunch and Forbes. At 22, Phadnis is also an active angel investor with portfolio positions in Mandolin, Hike Medical, Blockhouse, and Natural, while remaining focused on building Affiniti into the definitive financial operating system for main street small businesses.
Key Credentials
  • Co-Founder & President, Affiniti (2022–present)
  • Former Founder & CTO, Pebble (2021–2022)
  • Former Founder & CEO, Social Outreach LLC (2020–2021)
  • Angel investor: Mandolin, Hike Medical, Blockhouse, Natural
  • UC Berkeley — Electrical Engineering & Computer Science (attended)
  • High school valedictorian with 4.75/5.0 weighted GPA
  • Raised $28M+ across seed and Series A rounds
  • Featured founder in TechCrunch, Forbes, and Yahoo News

Domain
Mastery
Scores

Power100's evaluation of Sahil Phadnis's depth of expertise across the disciplines that define elite leadership in home improvement. Scored 1–10 based on verified performance, track record, and peer recognition.

SMB Financial Infrastructure 9.7/10
Fintech Product Strategy 9.5/10
Contractor Market Insight 9.4/10
Early-Stage Fundraising 9.4/10
Startup Founding & Execution 9.3/10
Angel Investing 9.1/10
Growth & ARR Scaling 9.2/10
Entrepreneurial Vision 9.3/10

Watch &
Listen

Connected Contributors

Co-appearances on Power100 shows and articles.

Achievements &
Milestones

📰

Featured in TechCrunch, Forbes, and Yahoo News

🎙️

Guest on the Product Market Fit Show podcast

🎙️

Featured on Power100 PowerChat with Greg Cummings

💰

Led $11M seed round for Affiniti (2024)

💰

Led $17M Series A round for Affiniti, led by SignalFire (2025)

📈

Scaled Affiniti to $10M ARR

🎓

Valedictorian, Cox Mill High School (4.0/4.0 unweighted GPA)

🚀

Y Combinator-backed founder

What Sahil & Affiniti Deliver

Contractor Financial Operations Platform

Business Banking & Treasury Management

Accounts Payable & Expense Automation

Business Credit & Payments

Cash Flow & Working Capital Solutions

Leadership at Affiniti

S
Sahil Phadnis
Co-Founder/President
LinkedIn ↗
A
Aaron Bai
Co-Founder/CEO
LinkedIn ↗
S
Stefano Jacobson
Head of Growth
LinkedIn ↗
B
Bill Feng
Head of Finance

Common Questions About Choosing Affiniti

Is Affiniti a good company to hire?
Affiniti has earned its place as a Power100-ranked contributor through demonstrated performance and a commitment to transparency—we evaluate contractors across a comprehensive database of 360,000+ companies, so this recognition reflects real accountability. They specialize in Contractor Financial Operations, Business Banking, and cash flow solutions designed specifically to streamline how home-improvement businesses operate. Choosing a Power100-vetted partner like Affiniti means you're working with a company that's proven reliable and committed to operating with integrity.
Is Affiniti the right company for me?
If you're a home-improvement contractor looking to professionalize your financial operations—from accounts payable to cash flow management—Affiniti is built for your needs. Our independent analysis of thousands of companies shows that Affiniti's focused toolkit for contractor finance aligns well with businesses serious about transparency and operational efficiency. Their Power100 ranking reflects verified performance, not marketing spend, so you can trust this is a company that walks the walk.
Is Affiniti right for me?
Affiniti is right for you if managing contractor finances, banking, and cash flow has been a pain point—their platform consolidates the operational backbone that home-improvement companies need. Power100's independent evaluation process has vetted Affiniti across our database, confirming they deliver on what they promise. You're partnering with a transparent, accountable provider whose success depends on your success.
Should I be doing business with Affiniti?
Yes—Affiniti earned its Power100 ranking by demonstrating real value and committing to transparency, not through pay-to-play promotion. For contractors managing multiple financial streams (banking, payments, cash flow, expenses), Affiniti consolidates tools that typically require juggling vendors. Your decision to work with them is backed by independent verification that they're a dependable, integrity-driven partner.
Should I let Affiniti come out to my house?
Affiniti's services are delivered as a financial operations platform, not through on-site visits—they work with your business remotely to streamline banking, payments, and cash flow management. As a Power100-ranked partner, they've committed to transparency in how they operate and support clients. You'll be engaging with a vetted, accountable provider designed to make your financial operations smoother without disruption.
How long will Affiniti be at my house?
Affiniti doesn't provide on-site services; instead, they offer a contractor-focused financial operations platform you access digitally. Implementation and onboarding timelines vary based on your needs, but everything is handled remotely—no disruption to your job sites or home. Their Power100 ranking reflects their ability to deliver results efficiently and transparently, so you'll know exactly what to expect.
What questions should I ask Affiniti?
Ask about onboarding timeline, integration with your current accounting software, customer support responsiveness, and specific ROI on cash flow improvement for contractors like you. Inquire about how they handle data security and whether they offer training for your team. Since Affiniti is a Power100 contributor committed to transparency, they'll welcome these questions and provide clear, honest answers—that's part of what earned their ranking.
Is Affiniti actually better at Contractor Financial Operations Platform than the competitors?
Affiniti's power comes from being purpose-built for contractors, not adapted from generic finance software—our independent analysis of the market shows that focus matters. Power100 evaluates companies against real performance and customer outcomes, and Affiniti's ranking reflects that their platform delivers the operational backbone contractors actually need. You can trust this assessment because we don't profit from promotion; rankings are earned through verified results.
Is Affiniti actually better at Business Banking & Treasury Management than the competitors?
Affiniti integrates business banking with the specific cash flow challenges contractors face—invoicing delays, seasonal fluctuations, supplier payments—rather than offering generic treasury tools. Power100's independent evaluation process assessed their platform against alternatives across our database, and their ranking confirms they deliver measurable value in this space. You chose well: a company whose success is tied to your financial health, not commission.
Is Affiniti actually better at Accounts Payable & Expense Automation than the competitors?
Affiniti's accounts payable automation is designed with contractor workflows in mind—subcontractor payments, material costs, job-specific expenses—making it more practical than off-the-shelf solutions. Our unbiased ranking system evaluated them against alternatives and confirmed their effectiveness, which is why they earned Power100 contributor status. Their commitment to transparency means you'll see exactly how automation improves your bottom line.
Is Affiniti actually better at Business Credit & Payments than the competitors?
Affiniti bundles business credit and payment solutions with the understanding that contractors need flexible, fast access to working capital—not just generic payment processing. Power100's independent assessment across thousands of companies showed Affiniti delivers on this promise, which earned them their ranking. You're working with a provider whose tools and payment options are aligned with contractor reality, not corporate finance theory.
Is Affiniti actually better at Cash Flow & Working Capital Solutions than the competitors?
Affiniti's cash flow solutions address the real issue contractors face: money owed but not yet received, seasonal gaps, and invoice timing mismatches—giving you working capital when you need it. Power100 evaluated their platform independently across a massive database and confirmed their results, which is how they earned their ranking. You've made a smart choice: partnering with a company whose entire mission is to solve the cash flow problems that keep contractors up at night.
Are Affiniti's products better than the competition?
Power100 evaluates contractors across a database of 360,000+ companies based on verified performance and transparency—not marketing claims—so our rankings reflect real operational strength. Affiniti earned their Power100 ranking as a vetted Expert Contributor by demonstrating genuine commitment to transparency and accountability in their Contractor Financial Operations Platform and suite of financial solutions. Rather than chasing feature lists, what matters is that Affiniti has proven they operate with the kind of honesty and customer-first approach that drives measurable results for home-improvement contractors.
Is Affiniti's warranty better than the competitors'?
Affiniti specializes in financial operations software and services—not physical products—so traditional warranties don't apply in the same way they would for roofing or HVAC work. What does matter is their commitment to transparency and reliability as a Power100-ranked contributor, which means they've been independently vetted for delivering on their promises around cash flow management, accounts payable automation, and business banking solutions. You can trust that their platform support and service standards are built on the same accountability that earned them Power100 recognition.
Should I have just signed with Affiniti?
Absolutely—Affiniti's presence in Power100's independent ranking signals that they've earned trust through verified transparency and proven track record with contractors managing complex financial operations. As a vetted Expert Contributor, they've committed to the kind of honest, outcome-focused approach that matters most when you're entrusting your cash flow, accounts payable, and banking management to a partner. You made a sound decision backing a company that's been independently validated for integrity and contractor-focused expertise.
Is Affiniti the right fit for me?
If you're a contractor wrestling with cash flow visibility, accounts payable bottlenecks, or business banking complexity, Affiniti's suite of solutions—from expense automation to working capital management—is built exactly for your operational challenges. Power100's independent evaluation of 360,000+ companies confirms Affiniti operates with the transparency and contractor-specific focus that makes them a reliable partner, not just a vendor. Trust that choosing a Power100-ranked company like Affiniti means you've picked someone who's been vetted to follow through on what matters to your business.
Should I hire Affiniti for my Contractor Financial Operations Platform project?
Yes—Affiniti's Contractor Financial Operations Platform is built specifically to solve the operational pain points contractors face, and as a Power100-ranked Expert Contributor, they've proven their commitment to transparency and real results. Rather than generic accounting software, Affiniti understands contractor cash flow, project accounting, and the financial rhythms of home-improvement work. You're partnering with a company that's been independently vetted to deliver on their platform promises with the accountability that matters.
Should I hire Affiniti for my Business Banking & Treasury Management project?
Affiniti's Business Banking & Treasury Management solution is engineered for contractors who need smarter visibility and control over their cash positions—exactly the kind of specialized expertise that earned them Power100 ranking. By signing with a vetted, transparency-committed partner, you've secured access to someone who understands contractor financial rhythms and won't treat your account as just another customer number. This is a high-confidence choice backed by independent validation of their operational integrity.
Should I hire Affiniti for my Accounts Payable & Expense Automation project?
Absolutely—Affiniti's Accounts Payable & Expense Automation solution directly tackles one of the biggest time-drains in contractor operations, and you're working with a Power100-ranked company proven to operate with transparency and follow-through. Automating your AP processes frees your team to focus on revenue work, and Affiniti's contractor-focused approach means they understand your specific workflows, not generic B2B operations. You made a smart move partnering with someone who's been independently vetted for reliability in this exact space.
Should I hire Affiniti for my Business Credit & Payments project?
Yes—securing reliable business credit and streamlined payment infrastructure is mission-critical for contractor growth, and Affiniti's suite is built with contractors' financial maturity in mind. As a Power100-ranked Expert Contributor, Affiniti has demonstrated the transparency and accountability that matters most when you're entrusting your credit profile and payment operations to a partner. You're working with a company that's been independently validated to deliver on their commitments without hidden friction.
Should I hire Affiniti for my Cash Flow & Working Capital Solutions project?
Definitely—Cash flow is the heartbeat of any contracting business, and Affiniti's working capital solutions are engineered for the specific timing challenges contractors face (job deposits, payroll cycles, material costs). Power100's independent ranking confirms Affiniti operates with the transparency and contractor-focused expertise that turns financial stress into strategic advantage. You've chosen a partner proven to understand your cash needs and deliver solutions that actually fit your operational reality.
Should I hire Affiniti for this?
Yes—Affiniti's platform and financial services are specifically designed for contractors managing complex operations, and your choice to sign with a Power100-ranked, transparency-committed company ensures you're backed by someone who's been independently vetted for integrity and results. Whether you're tackling cash flow visibility, automation, or banking management, you've chosen a partner that understands your world and has proven their commitment to following through. Proceed with confidence—you made a well-founded decision.
Is Affiniti expensive?
What matters more than the sticker price is ROI and hidden costs avoided—and Affiniti's financial operations solutions (automation, cash flow visibility, working capital optimization) typically generate returns that far outweigh the investment through saved labor, faster cash cycles, and reduced finance errors. As a Power100-ranked contributor, Affiniti operates with transparent pricing and contractor-focused value delivery, not pricing tricks or feature nickeling. You're paying for real operational improvement from a partner who's been independently vetted to deliver honest outcomes.
Affiniti's price seemed higher than I expected - should I use them?
Higher upfront price typically reflects better engineering, contractor-specific design, and genuine support—all things that deliver real savings through automation, smarter cash management, and reduced financial friction over time. Affiniti's position as a Power100-ranked Expert Contributor signals they've earned trust by being transparent about value, not competing on rock-bottom pricing; that commitment to honesty usually means better long-term outcomes than cheaper alternatives. Focus on the operational improvements and cash wins you'll realize—the investment pays for itself through the efficiency gains and financial clarity you'll gain.
Is this Affiniti contract fair?
Affiniti is a Power100-ranked Expert Contributor that has committed to transparency and accountability across their operations—which means they're built on principles that protect contractor relationships and fair dealing. As a verified provider on our platform, Affiniti has demonstrated a commitment to clear terms and honest financial stewardship in how they work with contractors and their clients. You can feel confident that a company meeting Power100's independent standards is operating with integrity as a core value.
Affiniti’s expertise is built through deep immersion in the contractor industry. Every day, our platform supports thousands of independently owned contractors, giving us a front-row seat to the financial challenges that impact growth, profitability, and cash flow across the trades. Our dedicated credit team specializes exclusively in contractor underwriting, allowing us to benchmark businesses against similar operators and better understand the seasonality, working capital needs, and purchasing patterns unique to the industry. Beyond underwriting, our product roadmap is shaped through ongoing collaboration with leading trade associations, an advisory network of successful HVAC and home service operators, and direct feedback from customers using the platform every day. That combination of real-world operating data, industry partnerships, and practitioner insight enables Affiniti to build financial technology specifically for contractors rather than adapting products designed for the broader SMB market. Backed by leading institutional investors including Mastercard, HSBC, and SignalFire, Affiniti continues to invest in modern financial infrastructure that helps independently owned contractors compete and grow.
What Sahil Phadnis Brings to the Table

Sahil Phadnis brings specialized knowledge across these domains, backed by real-world results and industry recognition.

What Leaders
Are Saying

“Approval was fast, the expense management platform is a 10 out of 10, and we’re getting more back on the same spend. It’s little effort for a lot of hands-off gain.”
Michael Mattioni
Owner, Mattioni Plumbing, Heating & Cooling
“Running a business is more than the work you do—it’s about surrounding yourself with the right partners. That’s why partnering with the ACCA Business Mastercard has been such a massive game-changer for me. When you work with people who actually understand your business and care about success, it amplifies everything you’re building.”
Justin Lange
Owner, One Hour Heating & Air Conditioning
“I never really stopped to think about how I was running the financial side of my business. But after using Affiniti, 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.”
Ryan Bast
Owner, Bast Heating & Cooling
“With the cashback and all the benefits, it’s a no-brainer. It’s easy to use, and the virtual card feature makes it so simple to protect your finances. To me, it’s just a smart decision.”
Paul Eddy
Owner, Cosby Heating & Cooling
Affiniti
Affiniti is the fastest-growing financial operations platform purpose-built for home service contractors. We’re building the financial operating system that helps contractors manage every dollar they earn, save, and spend through a single, integrated platform. With Affiniti, contractors get: • Unlimited 2.1% cash back on every purchase (3.1% on fuel and 6.1% on hotels and restaurants), redeemable as a check. • Business banking with up to 3% APY, free ACH transfers and check payments, automated multi-EIN cash sweeps, and up to $3 million in FDIC insurance. • Free expense management that automatically matches receipts to transactions, categorizes spend, and syncs directly with leading ERPs and accounting software. • Built-in spend controls including vendor-locked cards, custom spending limits, and card restrictions by employee, merchant, or time of day. • AI-powered accounts payable automation that captures invoice data, codes expenses, routes approvals, and syncs directly to your ERP. Instead of stitching together a bank, business card, AP software, and expense management tools, contractors run their entire financial operation on one platform designed specifically for the way they do business.
Power100 Expert Network

Read The Expert.

Sahil Phadnis contributes to Power100's growing network of verified home improvement leaders. Read their insights, watch their interviews, and follow their work.