Some problems in banking scream for attention. Others just sit there, quietly dragging deals into the mud while everyone shrugs and calls it “process.” Commercial account switching has lived in that second category for decades. Not broken enough to spark revolt. Painful enough to cost real money. Onsetto exists because Cale Johnston has already seen what happens when friction gets ignored, solved, sold, and then politely forgotten by the market.
Minneapolis has a habit of producing builders who do not chase volume; they chase leverage. Onsetto was founded in 2025 by Cale Johnston after scaling ClickSWITCH into an industry standard adopted by 450+ financial institutions before its April 2021 acquisition by Q2 Holdings. That first run proved consumers will switch banks when the pain disappears. This run is about businesses, where pain has payroll deadlines, vendor relationships, receivables, compliance landmines, and zero patience for mistakes.
Here is the tension. SMB bank switching is accelerating. 41% of SMBs are likely to switch their primary bank in the next 12 months. Another 32% are considering it. Nearly $4.9T in deposits are already in motion. Community banks and credit unions want those relationships badly, but the moment “change accounts” hits the conversation, momentum stalls. Onsetto steps directly into that stall and turns it into forward motion.
The platform is white-label, AI-powered, and built for commercial reality, not consumer shortcuts. It analyzes financial statements, maps AP and AR, connects payroll, notifies vendors, migrates funds, and supports account closure without turning relationship managers into full-time firefighters. It deploys fast, integrates clean, and scales without adding staff. No theatrics. Just respect for how banks actually operate.
The $2.2M Series Seed led by EJF Ventures is less about the number and more about the signal. EJF Ventures understands regulated complexity, enterprise sales cycles, and infrastructure that cannot afford to fail. Backed by EJF Capital and joined by Idea Fund of La Crosse, The Perch Fund, and seasoned fintech operators, the round reflects confidence in execution, not hope dressed up as vision.
Execution is the common thread. Robert Zwink, CTO, brings decades of enterprise security and infrastructure experience from ClickSWITCH and JPMorgan Chase. Jordan Lemanski, Head of Product, knows how to ship fintech products banks can actually deploy. The team has already signed a double-digit number of financial institutions and earned a spot in the ICBA ThinkTECH Accelerator, which tends to reward substance and ignore noise.
Onsetto is not chasing neobanks. It is helping community institutions win when growing businesses outgrow their first banking relationship and want something better without burning a weekend doing it. This is what happens when experience meets timing and decides to stop waiting quietly.
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