Up to $5M
Revolving credit line
A revolving line of credit up to $5M, backed by your receivables and structured to fit how your business is actually organized. You draw what you need, repay as receivables clear, and draw again, paying only for what you use.
CISO Global became a public company by consolidating 16 separate entities, each with its own banking, invoicing, and financial workflows. Aion is built for exactly that kind of complexity.
Holding companies, multiple operating entities, several locations or brands under one roof. However your business is built, traditional lenders tend to treat each entity as its own application, or get tangled trying to underwrite the whole picture at once. You end up with financing that doesn't match the way the business actually runs. What you want is a line that understands the structure instead of fighting it.
An asset-based revolving line of credit is secured by your receivables rather than your credit score alone, and it revolves. You draw what you need, repay as invoices clear, and draw again, up to your limit. Unlike a term loan, you aren't carrying a lump sum and paying interest on money you haven't touched.
Because the line is tied to your receivables, it grows as your business does. More invoicing means more available credit, with no need to reapply each time.
Aion underwrites on the strength of your receivables and the real activity in your business, not a rigid template applied to each entity in isolation. Rather than handing you a fixed product and asking you to fit into it, Aion's team works with you to set up a line that reflects the way your business is organized.
And because banking and credit sit on one platform, you get a clearer view of cash and receivables across the operation. That visibility is the part that's hardest to assemble when everything is spread across separate tools and accounts.
Traditional structured asset-based lending can take months to put in place. Bespoke facilities, layered borrowing-base reporting, field exams, and covenants that need a team to manage. That weight makes sense at the very top of the market, but most multi-entity businesses in the $1 to 50 million range don't need it and shouldn't pay for it. Aion delivers commercial asset-based credit in a streamlined form: receivables-based underwriting, lines up to $5M, and reporting that runs on its own because your receivables and banking are already on the platform.
You pay only for the capital you draw. Charges accrue daily on your outstanding balance, so once an invoice clears and you repay, the cost stops. For most clients that comes out to an effective cost of capital around 2% on the amount drawn, which generally runs below factoring and most other lines of credit.
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.
Banking, payments, and credit on a single platform means fewer logins, fewer reconciliations, and one place to see where cash sits. For a business running multiple entities or locations, that consolidated view is often as valuable as the credit itself.
Set up around how your business is actually organized, not a fixed template.
Up to $5M, well above what most fintech lenders will offer.
Aion looks at your receivables and actual activity rather than a rigid per-entity formula.
One platform for cash, credit, and receivables, with reporting that runs automatically.
A team that knows your business, and AI that anticipates what you need.
"It's been very critical and crucial for our operating needs."
A line of credit secured by your receivables rather than your credit score alone, that revolves as you use it. You draw what you need, repay as invoices clear, and draw again up to your limit, paying only for what you use. With Aion, lines run up to $5M and grow as you invoice more.
A term loan is a lump sum on a fixed repayment schedule, with interest on the full amount from day one. A revolving asset-based line lets you draw only what you need and pay only for what you use, and it refills as you repay.
Aion underwrites on your receivables and real business activity rather than forcing each entity through a separate rigid process, and the team works with you to set the line up around your structure. If your business spans several entities, talk to us about how to structure it.
Traditional structured asset-based lending means large, bespoke facilities that take months to arrange and a team to manage. Aion offers commercial asset-based credit in a streamlined form for the $1 to 50 million range: receivables-based underwriting, lines up to $5M, and reporting that runs automatically on the platform.
Up to $5M, based on the value of your receivables. Because the line is asset-based, your limit grows as your receivables do.
Yes. Banking, payments, and credit live on one platform, and that connection is what lets Aion underwrite on your live receivables and give you one view of cash. Moving your banking to Aion is part of accessing the line.