Credit

Up to $5M* in revolving credit.

Backed by what your business has already earned.

Backed by your invoices and inventory, not just your credit score
No field exams. No quarterly audits. No months of waiting.
Banking and your line of credit work together in one account.

See if you qualify

Up to $5M Revolving credit, max

~2% Effective cost of capital

10–20× vs. other fintechs

Available funds $736,382 Based on your last approved borrowing base Draw funds

Credit limit $5,000,000

53% of credit limit used $2,650,000

Cost of capital ~2% You only pay for what you draw down — not the full credit line

Trusted by growing businesses

Eligibility

Do you qualify?

Aion's line of credit is designed for established, scaling businesses with real receivables — not a credit score and a hope.

Annual revenue

$1M–$50M

Time in business

2+ years preferred

Qualifying collateral

Invoices from creditworthy customers and/or inventory

Banking

Primary business banking with Aion required to access the line

Check your eligibility

How it works

How the line of credit works.

Aion's model is different from a traditional bank loan or a fintech credit line. Here's how it works.

01

Aion reviews your invoices and inventory.

Your credit limit is based on your receivables and collateral. The stronger your receivables, the larger your line.

02

You're approved for a revolving credit line.

Draw what you need, when you need it. You only pay for what you use.

03

Once invoices clear, your line replenishes automatically.

Aion's platform tracks settlements in real time. No manual repayment necessary.

04

As your receivables grow, your available credit grows, too.

Land a bigger contract? Your limit can increase without reapplication or renegotiation.

Invoices

Contracts

Inventory

↓

Borrowing base

Your eligible collateral, at your advance rate

↓

Available funds

Your adjusted base, capped at your credit limit

↓

You draw

Outstanding rises and available funds fall

↓

Repayment

The payment clears what you drew

↩The repayment restores your available funds

Cost of capital

What does it cost?

Aion's effective cost of capital is ~2%. Here's how that compares to the alternatives most growing businesses are weighing.

Other lenders

Invoice factoring

Cost: 1–5% of total invoice value
Structure: You sell the invoice. The factoring company collects from your customer.
Credit limit: Tied to individual invoices

Other lenders

Merchant cash advance

Cost: Effective APR can exceed 60–200% after converting from factor rate
Structure: Lump sum upfront; repaid via daily or weekly sales percentage
Credit limit: Typically $2.5K to $500K

Aion

Revolving line of credit

Cost: ~2% effective cost of capital
Structure: Revolving. Draw what you need, repay as invoices clear.
Credit limit: Grows with your receivables, up to $5M

Factoring and MCA figures are market estimates and will vary by provider. Presented for illustrative purposes.

Client stories

Lines of credit that grew with the business.

Three operators who needed more capital than their bank or fintech lender would offer — and what changed when they switched.

Hoosier Precision Manufacturing — a manufacturing executive on the production floor.

Hoosier · Precision Manufacturing

47 years, 3 generations Key growth metric

Aion really never turns it off like some banks turn it off. [Typical] banks close at 4. And the flexibility that comes along with that, when you have customer service questions, that is a huge sense of security and peace. Relationships matter. People matter. And Aion put their relationships first.

— Melissa Sims, Accounting & Sales Manager, Hoosier, Inc.

Read the full story →

Manifest — a logistics controller reviewing receivables.

Manifest · Logistics & fulfillment

50% less processing fees Key growth metric

In just a few weeks, Aion automated our invoicing process, allowing us to collect payments faster while significantly decreasing costs. This efficiency has been a key to growing our business and building stronger relationships with our customers. It's been a game-changer.

— Brian Wojciechowski, Controller, Manifest

Read the full story →

Silver MetalX — a manufacturing founder on the shop floor.

Silver MetalX · Manufacturing

3.5x revenue growth Key growth metric

In the early days of Silver MetalX, we needed to keep up with increasing demand. Aion provided flexible, non-dilutive funding that grew with our business and helped us scale.

— Nayan Chirala, Founder & CEO, Silver MetalX

Read the full story →

The lending team

Real people who know your business.

Getting a line of credit through Aion isn't a transaction — it's a relationship. Our lending team stays involved long after approval, and our clients know them by name.

Rashmi Jyotiprakash

Co-founder

Twenty years building credit and operations for businesses banks overlook. The architect of how Aion underwrites the lines competitors won't.

Nesrine Chirara

Sr. Director, Credit Operations

Your point of contact when something needs a human. Clients name her as the reason they stay through every stage of growth.

FAQ

Questions we get asked.

Do I have to move my banking to Aion?

Yes, if you want to access the line of credit. Aion's credit underwriting and automatic line replenishment are only possible if your banking and lending are in the same system. If we can see your cash flow and receivables in real time, that expedites underwriting, helps personalize limits, and supports replenishing lines of credit automatically once invoices clear.

How is this different from invoice factoring?

With factoring, you sell your invoices to a third party, who then collects directly from your customers. Aion is different: your invoices back the credit line, but you maintain the customer relationship and handle your own collections. Factoring typically costs 1–5% of the total invoice value. Aion's effective cost is ~2% — and because it's revolving, you're not starting from scratch with each invoice.

What does it actually cost?

Aion's effective cost of capital is ~2%. You only pay for what you draw down — not the full credit line. Once an invoice clears and the funds settle, the charge stops. There's no cost to having the line available; the meter only runs if you have an outstanding balance.

How long does approval take?

After submitting the initial application, you can expect to receive a proposal within 1-2 days. Once you accept the proposal and provide your final business details and documents, Aion will review your file for final approval. The total timeline, from application to closing, depends largely on how quickly applicants submit required documents. It typically takes between 1-3 weeks.

Can my credit limit increase as my business grows?

Yes. Since Aion underwrites based on your actual receivables, your limit can grow as your receivables grow, without reapplication or renegotiation. Land a larger contract, take on a bigger customer, and your available credit can expand up to $5M.

What happens if I have a slow month?

Aion underwrites based on your receivables — a live read of your business, not a historical one. If your cash flow fluctuates, Aion can see that payments are still coming, so we don't pull the line the moment things slow down. Clients have cited this explicitly as one of their favorite features of our platform.

Do you do a hard credit pull for the eligibility check?

Checking your eligibility triggers a soft credit pull, which doesn't affect your credit score. If you move forward with a full application, Aion runs a hard credit pull as part of final underwriting, which may have a minor and temporary impact on your score, as is standard with most lenders.

What collateral do you need?

Aion's line of credit is backed by your accounts receivable and inventory. The stronger and more consistent your receivables, the larger your available credit line, up to $5M.

Can multiple entities use one line?

Each line of credit is tied to a single entity. Where a company operates multiple entities, Aion can grant separate lines of credit under the same company for different entities — each with its own line affiliated to its respective entity.