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Banking built to help your business grow.

Working capital, banking, and payments — all in one platform for established businesses ready to scale.

Up to $5M Revolving credit
~2% Effective cost of capital
FDIC Insured Via Cross River Bank

Trusted by growing businesses

RAM Associates Advice Reap Cross River Bank Hirsch Precision Arcadia QuickBooks TVP Hyacinth AI Manifest Silver MetalX Kora Go Sleeves Codat IPI GreyMatter BlueTape Grit
The platform

All-in-one platform for capital, banking, and payments.

Aion connects the financial tools your business already depends on. One platform. One view of your cash, your credit, and your receivables. Fewer systems, less reconciliation, more time spent on the business.

Capital when you need it

A revolving line of credit up to $5M, backed by your receivables. Draw what you need. Pay only on what you draw. The line grows when your receivables do.

Up to $5M Revolving ~2% effective
Explore credit →

Banking built for operators

Banking, invoicing, payments, and capital — managed from a single platform. Real-time balances. Unlimited ACH. No monthly fees. Backed by Cross River Bank.

Checking ACH / Wires Bill pay
Explore the platform →

Expertise that scales with you

A team that knows you by name. A platform that helps you make smarter financial decisions. Real people, real responsiveness — no phone tree, no AI-only chat.

Named team Fast response SMB-fluent
Meet the team →
Core feature · Credit

Smarter credit starts with a connected platform.

When your banking, payments, and receivables run through Aion, your line of credit is powered by a real-time view of your business — unlocking more flexible access to capital as you grow.

  • 01

    Pay only for what you use.

    Draw funds when you need them. The meter stops the moment your invoice clears.

  • 02

    Credit that grows with you.

    Your line scales with your receivables — no reapplication, no renegotiation.

  • 03

    A lower-cost way to fund growth.

    Effective cost of capital around 2% on drawn amounts — meaningfully below factoring and most fintech alternatives.

How it works →
Core feature · Platform

One platform. More control.

Banking, payments, and credit in one connected system. A clearer view of the business. Fewer tools to manage. Fewer reconciliations to chase down.

  • 01

    Everything in one place.

    Cash, receivables, and available credit on a single dashboard.

  • 02

    Less complexity, lower cost.

    One platform replaces a stack of providers — and the bills that came with them.

  • 03

    Capital that thinks.

    Real-time visibility into your receivables makes credit more flexible and far less manual.

Learn more →
Aion across Mac, iPad, and iPhone — banking overview, capital, and approvals on every surface.
In their words

Why growing businesses choose Aion.

Our growth journey — from $5M to nearly $18M — only happened with Aion.
Nayan Chirala CEO, Silver MetalX, Inc. Manufacturing
Aion is a genuine partner — not just a bank following a playbook.
George Wojciechowski CEO, Manifest Logistics & Fulfillment
Aion is the first thing I look at in the morning and the last thing I check at night.
Sylvie Charles Founder & CEO, Just Date CPG / Food & Beverage
Security & compliance

Security you can bank on.

The boring infrastructure done right — audited, insured, and licensed by the institutions that established businesses already trust.

FDIC-insured banking

Banking services provided by Cross River Bank, Member FDIC. Eligible deposits are insured up to $250,000 per depositor.

Audited security controls

SOC 2 Type II compliant. Our data-security practices are independently reviewed and verified on an ongoing basis.

Licensed lending

Aion lends under a California Financing License — the oversight and accountability that established businesses expect from a credit partner.

Your next phase of growth starts here.

Bigger customers. More inventory. New operations. Aion gives you the capital, banking, and financial infrastructure to move faster — with confidence. See how much funding you qualify for, and what a more connected platform can do for your business.