Up to $5M
Revolving credit line
Fund the inventory, ingredients, and production behind your next big retail order with a revolving line of credit up to $5M. Your line is backed by your receivables, so the credit available to you grows as your sales do. You draw what you need, and you only pay for what you use.
For a growing food or beverage brand, most of your money lives on a shelf or in a warehouse before it ever reaches a register. You pay for ingredients, packaging, and a production run up front. Then a retailer or distributor takes 30, 60, sometimes 90 days to pay you. Win a bigger order and the bill shows up long before the revenue does. The capital to cover those costs should move as fast as your brand is growing.
Buy what a production run requires before the sale pays for it.
Say yes to the purchase order that's larger than your current cash.
Stock up ahead of your busy months instead of scrambling once demand arrives.
Fund the marketing and trade spend that gets a new product onto shelves.
Raising another round is one way to fund inventory. It's also the most expensive, because you pay for it with ownership you never get back. A line of credit from Aion is non-dilutive. You get the capital to fund production and inventory, and your cap table stays exactly where it is. For a founder who has already given up equity to get this far, that's a difference you feel.
Aion gives you a revolving line of credit secured by your receivables and inventory. Rather than leaning on personal credit or years of history, it looks at the orders you've already booked and the stock you're carrying. The more you invoice, the more your line can grow.
This is invoice financing without the parts brands tend to dislike. You aren't selling your invoices, and Aion never contacts your retailers or collects on your behalf, so every customer relationship stays yours. You draw against your receivables, repay once the money lands, and draw again when you need to.
You only pay for the capital you draw. Charges build up daily on your outstanding balance, so the moment a retailer pays you and you repay your draw, the cost stops. For most clients that works out to an effective cost of capital around 2% on the amount they draw. That tends to come in cheaper than factoring, which usually runs 1 to 5 percent of the full invoice, and well under most merchant cash advances.
Stated APRs run from 16% to 19% and depend on credit quality. Since charges apply only to what you've drawn and accrue daily, the cost most clients actually pay lands well below the APR on its own.
Most online lenders cap out at $250K, which a growing brand can burn through on a single large order. Aion offers lines up to $5M, backed by your receivables and inventory, and your limit climbs as your sales do. When you land a national account, the credit behind it can keep up.
Fund inventory and growth while keeping your cap table to yourself.
Lines up to $5M, sized for brands landing real retail accounts.
Aion never contacts or collects from your customers the way a factor would.
Because Aion can see your receivables, it stays with you through slower months instead of pulling back.
A team that knows your brand, and AI that anticipates what you need.
"Aion is the first thing I look at in the morning and the last thing I check at night."
With a revolving line of credit secured by your receivables and inventory. You draw against your booked orders and stock to pay for ingredients, packaging, and production, then repay once the retailer pays you. With Aion, lines run up to $5M and grow as your sales grow.
No. An Aion line of credit is non-dilutive. You fund inventory and growth without giving up ownership or a board seat, so your cap table stays intact.
Factoring sells your invoices to a third party that then collects from your customers. Aion is a revolving line of credit. You keep your retailer relationships, draw only what you need, and usually pay less: an effective cost around 2% on drawn amounts, versus 1 to 5 percent of the full invoice with factoring.
Yes, that's one of the most common uses. Draw against the receivable to cover the production and inventory the order requires, then repay when the retailer or distributor pays you.
Up to $5M, based on the value of your receivables and inventory. Because the line is asset-based, your limit grows as your sales do.
Yes. Banking and credit live on one platform, and that connection is what lets Aion underwrite on your live receivables and skip the manual reporting. Moving your banking to Aion is part of accessing the line.