The platform

Replace your financial tech stack with one seamless platform.

Stop jumping between banks, AP tools, invoicing software, and spreadsheets. Aion brings everything together in one place.

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Need working capital? Learn about Aion's revolving line of credit →

Up to $5M Revolving credit, max

12 Features, one platform

FDIC Via Cross River Bank

Growing businesses love our all-in-one platform

Why integrated beats connected

When your financial tools work together, your business moves faster.

Most businesses run finance across disconnected tools. Aion puts it in one place, so the pieces work together.

Payments match invoices.

Incoming payments reconcile automatically, reducing manual work and improving cash visibility.

Books stay current.

Transactions sync automatically, so you're not chasing down discrepancies at month end.

Everything updates in real time.

Cash, receivables, payments, and available credit all update together in one view.

Platform Features

Everything your business needs to operate and grow.

Business banking

Digital banking built for how you work, with real people and faster money movement.

Instant payments

Send and receive funds that clear and settle in seconds, any time of day, including nights and weekends.

International payments

Pay suppliers and get paid across borders, without the friction of a traditional bank.

Billing

A centralized inbox for everything you owe, with automated payments that go out on schedule.

Invoicing

Create, send, and track invoices in one place, with automatic matching of incoming payments to open invoices.

Lockbox

Turn paper check payments into a clean digital workflow that keeps your cash flow moving.

Cards

Physical and virtual cards for your team, with the controls to manage business spend.

Approval workflows

Set the rules for how money moves, so every payment follows your company's policies automatically.

Integrations

A two-way sync with your accounting system keeps Aion and your books aligned in real time, so you close faster with fewer errors.

AI that's one step ahead

One system, full visibility: Aion’s Agent generates insights and flags so you don’t have to.

Turn receivables into working capital.

Your invoices don't just help you track payments. They can also help power access to a revolving line of credit that grows with your business.

Learn how Aion credit works →

Replace multiple financial tools with one online platform.

Fragmented Financial Tech Stack	All-in-one with Aion
Business bank (e.g., Chase)	✓
Payment processor (e.g., Stripe)	✓
International payment processor (e.g., Wise)	✓
Bill pay/invoicing platform (e.g., Bill.com)	✓
Recurring billing platform (e.g., Chargebee)	✓
Business credit card (e.g., Ramp)	✓
Line of credit (e.g., Bluevine)	✓

Built for the way growing businesses actually operate.

When customers pay on net-60.

Aion helps you manage invoices, track receivables, and access working capital while you wait to get paid.

See how the line of credit works →

When invoices, approvals, and payments live in different systems.

Aion brings them together in one workflow.

When you need visibility across multiple entities.

Manage banking, payments, and reporting from one login.

Built for the businesses banks underestimate

Built for businesses that earn faster than they get paid.

Manufacturing

Your invoices are net-60, but your production costs are due today.

Aion helps synchronize your capital with your production cycle. As your revenue increases and you secure larger contracts, your credit limit scales, too.

See how Aion works for manufacturers →

A logistics executive at the freight desk.

Logistics & fulfillment

Freight invoices, carrier payments, and warehouse overhead don't wait for clients to pay.

Your line of credit draws as you need it and replenishes when your clients pay. So you have the capital to grow your fleet or expand your logistics network without waiting on settlements.

See how Aion works for logistics companies →

A CPG operations leader reviewing production schedules.

CPG and food & beverage

Seasonal inventory, trade spend, and 90-day retailer payment terms come with the territory.

Aion aligns your credit availability with your cash flow, so you can fund the next cycle without waiting on the last one.

See how Aion works for CPG companies →

In their words

Real operators, real outcomes.

The Aion app provides a feature-rich solution for managing my customers and billing. Business financing is at the click of a button, and integration with QuickBooks ensures instant updates to close books.

Rajeshwar Mitra

CEO, GreyMatter Technologies

With Aion, I can finally perform all financial functions for my business in one comprehensive place. The intuitive app saves me a bunch of time, and as a business owner, that means a bunch of money, too.

Christopher V. Basso

President, Quench Design

Aion is the banking partner we trust for competitive rates, transparency to our clients, real-time support, and efficient flow of funding.

Drew Marheine

Owner, iDeploy LLC

The team behind the platform

Real people who know your business.

Call centers don't know the first thing about your business. Our team acts as an extension of your own, staying involved in your operations so we can anticipate your credit needs before you even ask.

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.

How is Aion different from Bill.com or Bluevine?

Bill.com automates accounts payable. Bluevine offers banking. QuickBooks manages accounting. Aion brings those functions together in one connected platform, so your payments, invoices, cash flow, and credit all work from the same source of truth.

Is Aion banking FDIC insured?

Yes. Your funds are FDIC insured up to $250,000 per depositor through Cross River Bank, Member FDIC. Aion provides the platform and the operational intelligence; Cross River Bank provides the regulated banking infrastructure behind it.

Can I use Aion if I already have a bank account somewhere else?

You can keep your existing accounts, but Aion works best as your primary banking relationship. Our credit underwriting and automatic line replenishment depend on visibility into your full financial picture — the more Aion can see, the faster and more flexible your credit becomes.

What does Aion's banking platform cost?

Essentials

Free

Everything you need to get started — checking, virtual cards, bill pay, and QuickBooks feeds.

Growth

$49 / mo

Adds automated approvals and deeper accounting integrations to save your team hours of data entry.

Enterprise

Custom

Unlocks our $5 million revolving line of credit, lockbox services, and API access for companies ready to scale.

Learn more on our Pricing page →

Does Aion integrate with QuickBooks and Xero?

Yes. Aion integrates directly with QuickBooks and Xero, keeping your banking and accounting in sync without manual exports or end-of-month reconciliation.

Can I access working capital through Aion?

Yes. Eligible businesses can unlock a revolving line of credit backed by receivables and inventory. Because your banking and financial operations already run through Aion, credit becomes part of the same connected platform.

Learn more about Aion Credit →