Open a free Aion account to run your everyday finances. When you're ready for capital, access a revolving line of credit up to $5M sized to your business, at an effective cost of about 2%. Because your banking and lending live in one system, your Aion account is the foundation the credit is built on.
Most businesses begin with free banking and add a line of credit when they're ready. Larger or more complex operations move to Enterprise for advanced capabilities and custom terms.
More than a free bank account: everything you need to run your business finances, all in one place.
For larger or more complex businesses that need advanced capabilities and custom terms.
A line of credit and advanced capabilities are available depending on your level. See below.
A revolving line of credit, available to any Aion account holder who qualifies. Your line is sized to the strength of your business, your receivables and inventory, and it can grow up to $5M as your business grows. Your creditworthiness and receivables set your limit, not which banking plan you're on.
Your banking and lending run in one system, which is what lets Aion underwrite on your live receivables and replenish your available capital automatically as invoices clear.
The cost of capital has two parts: a monthly facility fee, typically about 0.1% of your approved line, and the cost of what you actually draw. Charges accrue daily on your outstanding balance and stop once you repay.
Stated APRs typically range from 16% to 19% and vary with creditworthiness. Because charges apply only to your outstanding balance, most clients pay an average effective cost (around 2%) well below APR rates.
A lower-cost way to fund growth than the usual options.
| Alternative Invoice factoring | Alternative Merchant cash advance | Alternative Traditional bank line of credit | Aion Revolving line of credit | |
|---|---|---|---|---|
| Cost | 1–5% of total invoice value | Effective APR can exceed 60–200% after converting from factor rate | Generally lower rates, but stricter requirements | ~2% effective cost on drawn amounts |
| Structure | You sell the invoice. A third party collects from your clients. | Lump sum upfront; repaid via a daily cut of your sales | Term-based with periodic reviews and renewals | Revolving. Draw what you need; client relationships stay yours. |
| Credit limit | Tied to individual invoices | Typically $2.5K to $500K | Varies; reset at each review | Grows with your receivables, up to $5M |
Factoring, MCA, and bank-line figures are market estimates and will vary by provider. Presented for illustrative purposes.
Aion includes additional pay-as-you-go features you can add on as your business needs them. Pricing varies by usage; talk to us about what fits your business.
Send cross-border payments from your Aion account.
Move money in seconds, any time of day.
Physical and virtual cards with spend controls.
Put idle cash to work while keeping it accessible.
More capabilities, including additional automation, are rolling out over time.
Most clients who access the line are established businesses with recurring revenue, outstanding invoices, or inventory that can support an asset-backed line.
Checking your limit doesn't require a hard credit pull.
Yes. The Essentials plan is free and includes banking, invoicing, and bill pay. Certain transactions, such as wires, may carry a fee. Larger or more complex businesses move to Enterprise for advanced capabilities and custom terms.
Yes. An Aion account is the prerequisite. Your banking and lending run in one system, which is what lets Aion underwrite on your live receivables and replenish your available capital as invoices clear.
Your line is sized to the strength of your business, your receivables and inventory, and can grow up to $5M. Your limit depends on your creditworthiness and receivables, not on which banking plan you're on.
The cost has two parts: a monthly facility fee, typically about 0.1% of your approved line, and the cost of what you draw, charged daily on your outstanding balance and stopping once you repay. Together that comes to an effective cost of capital of about 2% for most clients. Stated APRs range from 16% to 19% and vary with creditworthiness.
Everything in Essentials, plus advanced banking capabilities, lockbox services and Deposit Account Control Agreements, payment automation APIs, premium support, and custom users and accounts. Enterprise is custom-priced.
Capabilities like international payments, instant payments, corporate cards, and a high-yield account can be turned on as your business needs them, on either level. Pricing is usage-based; talk to us to enable what's right for you.
