Quick answers about pricing, eligibility, and how the platform works. Search below or browse by category.
A revolving line of credit is a flexible credit facility that lets you draw funds up to an approved limit, repay what you've used, and draw again — without reapplying each time. Unlike a term loan, which provides a single lump sum, a revolving line stays open and available as long as your account is in good standing.
Aion's business line of credit is a revolving facility of up to $5M, backed by your outstanding invoices and inventory. Draw what you need, only pay for what you've drawn, and your available credit replenishes automatically as invoices clear.
Aion charges a monthly facility fee, typically about 0.1% of your approved line, plus 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.
Aion underwrites based on the strength of your receivables and inventory. Since your banking and lending run through the same system, Aion can see your invoices and cash flow in real time. That way we can make faster decisions and offer a credit limit that's tailored to your business.
Eligible accounts receivable, inventory, and IP. The stronger and more consistent your receivables, the larger your available credit line, up to $5M.
Yes. All clients who use a line of credit must have an Aion bank account. Aion's unique asset-based underwriting is 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.
Bluevine's credit lines are capped at $250K — a fraction of what an established, growing business typically needs. Aion offers up to $5M, sized to your receivables. A traditional bank can lend at that scale but usually involves weeks or even months of underwriting. Aion combines the higher limit of a bank with the speed and flexibility of a fintech lender, without forcing you to choose between the two.
Aion's line of credit is ideal for established, growing businesses that ideally have $1M to $50M in annual revenue and 2+ years of operating history. You'll also need qualifying collateral (invoices from creditworthy customers, inventory, or IP) and a primary banking relationship with Aion.
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, temporary impact on your score, as is standard with most lenders.
Your credit limit is based on the strength of your eligible receivables and inventory. The stronger and more consistent your receivables (i.e., invoices from creditworthy customers with predictable payment terms), the larger your available line, up to $5M.
The initial application should only take a few minutes. You'll share some details about your business and its ownership, plus a few financial documents. Once submitted, you can expect a response in as soon as 24 hours. If you accept the proposal, we'll request a few more details and documents to get you approved.
After submitting your initial application, if pre-qualified, you can expect to receive a proposal as soon as 24 hours later. Once you accept the proposal and provide your final business details and documents, the Aion Capital Team will review your file for a final approval.
Most industries with accounts receivable (AR) and inventory are eligible for financing. There are some industries, such as cannabis and gambling, that Aion does not support. You can access a full list of restricted industries here.
There isn't a separate step for repayment. Aion tracks your invoices as they clear and applies those payments directly (and automatically) against your outstanding balance. You draw what you need, and your outstanding balance settles as your customers pay.
Aion's effective cost of capital is about 2% on drawn amounts. 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.
Since Aion underwrites based on your expected receivables, your available credit can grow as your receivables grow, without reapplication or renegotiation. Land a larger contract or take on a bigger customer, and your line can expand as well, up to $5M.
Aion's line of credit has a variable interest rate, so the rate may move over time. Currently, Aion's line of credit has an effective cost of capital of around 2% on drawn amounts.
A line of credit and a business credit card address different needs, so one is not inherently better than the other. A card is typically used for day-to-day spending management. A line of credit generally funds larger capital needs, such as inventory purchases, payroll, and bridging long invoice terms. A growing business may use both — a card for spending, a line of credit for the bigger swings in cash flow.
Once you're approved, Aion will guide you through moving your primary banking relationship to Aion, which is what activates your line of credit. From there, your available credit is tied to your receivables: draw what you need, and your line replenishes as invoices clear.
Aion offers a revolving line of credit up to $5M, backed by your receivables and inventory.
Aion's line of credit can be used for whatever your business needs — inventory purchases, payroll, equipment, marketing, etc. Pricing stays consistent no matter how you use it.
Aion offers an integrated online banking platform that enables businesses to manage accounts, move money, and oversee their financial picture from anywhere, without ever walking into a branch.
Aion is a financial technology company, not a bank. Banking services are provided by Cross River Bank, Member FDIC. Aion builds the platform you use day-to-day, while Cross River Bank handles the regulated banking infrastructure behind it.
Most US-based businesses are eligible. A few exceptions apply: Aion doesn't currently support sole proprietors, and banking services aren't available in certain industries. View a full list of exceptions and eligibility requirements here.
Aion does not have any physical banking locations. Aion offers a completely digital banking experience that you can manage anytime, anywhere from your computer or phone.
Yes. Your Aion debit card works at ATMs nationwide. Aion doesn't charge a fee for ATM withdrawals, though the ATM operator may charge its own.
You can deposit checks remotely through the Aion mobile app — just snap a photo and the funds are on their way.
Yes, Aion business banking accounts are FDIC-insured up to $250,000 per depositor, through Cross River Bank, Member FDIC. You can learn more about deposit insurance by visiting the FDIC website.
Yes. You can open multiple business banking accounts to separate funds for different purposes — payroll, taxes, a specific project, and so on. To open additional accounts, please reach out to us at contact@aionfi.com.
Aion eliminates the complex fee structures many small businesses face with traditional banks. Business checking is free through Aion's Essentials plan, with no monthly account fee, no fees for ACH transactions or mobile check deposits, and industry-low fees for wire transfers, NSF, reversals, stop payments, and same-day ACH transactions. Clients may also consider an Enterprise plan for more complex needs. For a detailed breakdown of Aion's banking fee structure, please see our Banking Fees page.
Aion supports ACH, wire, instant payments (RTP®/FedNOW®), and international transfers — all from the same account.
ACH transfers initiated before 6:30 PM ET are processed the same day. Wires sent before 3:00 PM ET are processed the same day. Some exceptions may delay a transfer. For more information about these exceptions, please view our Funds Availability Policy.
There's no daily limit for receiving funds. For sending funds, Aion does not limit the number of transactions either. That said, daily limits for the total dollar amount sent vary by plan.
Once an account is approved, its debit card typically arrives within 7–10 business days.
Call us right away at 408-645-0920. We'll ensure your account is secure and send a replacement card promptly.
Yes. Aion supports international payments, so you can send and receive funds across borders without a separate provider.
Yes. Aion connects to QuickBooks Online, Xero, and NetSuite, syncing transactions so you're not manually re-entering data to close your books.
All account activity is shown in US Eastern Time, regardless of where the transaction took place.
Give your vendors your unique Aion billing email, and their invoices land directly in your centralized billing inbox — no forwarding, no chasing down PDFs. From there, set up approval workflows and put your bill payments on autopilot. Add your bookkeeper or finance team with custom roles so they can manage bills and schedule payments alongside you.
It's a single inbox that automatically collects every bill your vendors send. Share your unique Aion billing email with vendors, and each invoice lands in Aion, ready to review and pay.
Bill payments are unlimited and included in your subscription at no additional cost. ACH payments are free, while wire transfers incur a small fee.
Yes. Set up workflows so every bill routes to the right approver automatically. Approval workflows are included in Aion's Enterprise plan; see Pricing for full plan details.
Aion supports contractor payroll. Full-time payroll isn't available at this time — contact us at contact@aionfi.com if that's a feature you'd like to see.
Yes. Aion connects to QuickBooks Online, Xero and NetSuite, syncing transactions so your books stay current without manual entry.
No, bill payments are unlimited — pay as many as your business needs, with no per-bill fee.
Everything lives in one place: create invoices, build templates for recurring billing, and trigger payment reminders right from your Aion account. Sync with QuickBooks Online, Xero, or NetSuite, so you're not re-entering the same data twice.
Yes. Aion syncs with QuickBooks Online, Xero, and NetSuite, so your data flows seamlessly between systems. Aion also offers an open API for custom integrations. If you're using a different accounting system that you'd like to integrate with Aion, please let us know at contact@aionfi.com.
Yes. Aion tracks all of your invoices, so you can easily track payment status and trigger a reminder with one click.
Yes. Add your bookkeeper or finance team with custom permissions, so they can view transactions, create invoices, send reminders, and reconcile payments.
Aion offers both physical and virtual corporate cards, with Visa's chip and fraud protection built in. Add any card to Apple Pay or Google Pay and use it anywhere Visa is accepted.
Yes. Virtual cards can be issued instantly from your Aion dashboard.
Call us right away at 408-645-0920. We'll ensure your account is secure and send a replacement card promptly.
Instant payments settle in seconds, any time of day — including nights, weekends, and holidays. That's different from ACH, which processes in batches on a daily cutoff schedule, or wire transfers, which clear same day but only during banking hours.
Yes. Instant payments settle in seconds, 24/7, 365 days a year. That includes weekends and holidays. Note that instant payments are only available for domestic transactions within the US — see international payments for how to move money internationally.
Incoming instant payments (RTP®/FedNOW®) are free. Outgoing instant payments cost $5 per transfer.
Yes. Aion's high-yield account earns 2.50% APY — well above the typical business checking account.
Your funds are 100% liquid. There's no minimum balance requirement and no lock-up period. You can access your money any time.
Yes. Like Aion's checking account, high-yield account deposits are held at Cross River Bank, Member FDIC, and insured up to $250,000 per depositor.
Yes. Aion's international payments feature dynamically selects the most efficient payment rail, including SWIFT and local banking networks, based on the currency and size of your transfer.
An international USD wire costs $20. An international FX wire is free.
Aion integrates with QuickBooks Online, Xero, and NetSuite, syncing transactions seamlessly.
Automatically. Connect your accounting system once, and Aion keeps everything in sync from then on — without manual data entry.
Yes. Set conditional rules and multi-level approvals tailored to your organization's structure. In turn, the right person approves every bill, vendor, or payment.
Aion supports multi-level approvals with roles tailored to your organization's structure, so different team members can hold different levels of approval authority.
A lockbox is a service that takes paper check processing off your plate. Customer checks go to a dedicated address instead of your office, where they're processed and deposited electronically. Aion's lockbox gives you a complete digital record of every check, so you can access funds faster without anyone on your team opening mail or making a trip to the bank.
Checks mailed to your Aion lockbox address are received, processed, and deposited electronically. You can log in any time to see the complete digital record.
