Up to $5M
Revolving credit line
A revolving line of credit up to $5M* to fund the inventory, labor, and warehouse space behind your next stage of growth. Your line is backed by your receivables, so it grows as you invoice more. You draw what you need, and you only pay for what you use.
Fulfillment is front-loaded. You staff up, lease the space, buy the equipment, and stock the shelves well before the revenue from those orders lands. Peak season makes it sharper, when volume climbs faster than your cash can keep up. The capital should arrive on your schedule, not a lender's.
Fund the goods you carry before they sell and the invoices clear.
Staff up and add space ahead of your busiest months.
Cover racking, handling equipment, and the systems that run the floor.
Onboard a bigger account without draining your cash during setup.
Aion gives you a revolving line of credit, not a one-time loan. You draw what you need, repay as your clients pay, and draw again, with your available credit growing as you invoice more. For a 3PL, the line is backed by the fees you bill for storage, pick-and-pack, and shipping. For a fulfillment business that carries its own inventory, it can be backed by that inventory too.
Lines run up to $5M, which is room most fintech lenders can't offer. And because your receivables and banking sit on one platform, there's no stack of borrowing-base paperwork to keep up with.
If you carry inventory, you can draw against it to fund the next build. If you're invoicing clients for fulfillment services, you can borrow against those receivables before they're paid. Either way, the money you've earned or are about to earn becomes working capital you can use now.
This is invoice financing without selling your invoices. Aion never contacts or collects from your clients, so the relationships you've built stay entirely yours.
You pay only for the capital you draw. Charges build up daily on your outstanding balance, so once a client pays and you repay your draw, the cost stops. For most clients that comes out to an effective cost of capital around 2% on the amount drawn. That usually runs cheaper than an MCA or factoring, and you can see exactly what a given draw will cost before you take it.
Stated APRs run from 16% to 19% and depend on credit quality. Because 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 fulfillment operators run payments, invoicing, and banking across separate tools that don't connect. Aion brings them onto one platform. You can process client payments, manage your banking, and draw on your line in the same system, with a single view of where your cash sits. For a team that lives in cash movement and daily operations, that means fewer logins and fewer gaps to chase down.
Lines up to $5M, well above what most fintech lenders will offer.
Because Aion can see your receivables coming, it stays with you through the swings instead of pulling back when volume dips.
Onboard a bigger account and your line grows with the receivables behind it.
The fragmented stack, consolidated into a single system.
A team that knows your business, and AI that anticipates what you need.
"Aion is a genuine partner — not just a bank following a playbook."
A revolving line of credit sized for third-party logistics and fulfillment operators. You draw against the fees you invoice for storage, pick-and-pack, and shipping, then repay as clients pay. With Aion, lines run up to $5M and grow as you invoice more.
If you own the inventory you hold, yes, your line can be backed by it. If you're a 3PL storing goods on behalf of your clients, you finance against the receivables you invoice rather than the inventory itself. Either way, you get working capital to fund the inventory and operations side of the business.
It's funding for the space, equipment, and labor a warehouse operation needs to run and grow. Aion's revolving line can cover these costs, drawing against your receivables so you fund capacity ahead of the revenue it produces.
Factoring sells your invoices to a third party that collects from your clients. With Aion you keep your invoices and your client relationships, draw only what you need, and typically pay less: an effective cost around 2% on drawn amounts, versus 1 to 5 percent of the full invoice with factoring.
Yes. Draw ahead of your busiest months to fund inventory, labor, and space, then repay as the orders ship and the invoices clear. Your line is there when volume climbs and rests when it settles.
Up to $5M, based on the value of your receivables. Because the line is asset-based, your limit grows as your billings grow.
Yes. Banking, payments, and credit live on one platform, and that connection is what lets Aion underwrite on your live receivables and keep your cash in one view. Moving your banking to Aion is part of accessing the line.