Working capital that reads your books in real time.
Aperio builds your credit score from your actual financial behavior — not just your bank statements. Connect to lenders who understand your business, not just your history.
Role in the ecosystem
The capital layer.
Underwritten live
Your ledger is the application. Decisions in hours.
Repayments adjust based on real cash flow performance.
Sized to revenue, not a fixed amortization schedule.
Embedded
Draw from inside Aperio Business. No handoffs.
The problem
The way working capital used to work.
Lenders ask for bank statements and tax returns that are six months old, then run them through underwriting models that don't understand software businesses. Decisions take weeks. Terms are static.
- Stale financials drive the decision
- Underwriting models don't fit modern businesses
- Applications take weeks
- Repayment schedules don't breathe with revenue
The Aperio way
How Credit changes that.
Built on a shared financial operating system, so every capability compounds.
Live underwriting
Your ledger is the application. Updated continuously.
Revenue-based repayment
Draws repaid as a % of cash collected.
Embedded draws
Pull capital from inside Aperio Business, no new portal.
Transparent pricing
Rate sheet, never a negotiation.
Waitlist
Be first when Credit launches.
Early access, founder pricing, and direct input on the roadmap. We'll email you the moment Credit is ready.
No spam. Unsubscribe anytime. We'll only email about Credit.
Who it's for
Built for finance teams that ship.
Three real shapes of work this collapses into seconds. Pick the one that sounds like yours.
Founder scaling past $3M ARR
Today
Needed working capital, didn't want to raise equity or pledge personal assets.
With Aperio
Drew against receivables. Repaid as revenue landed. Zero dilution.
Pricing
Credit pricing, at a glance.
Full bundle pricing and the interactive Pricing Architect land on the Pricing page.
Free
$0
forever
- Core features
- 1 user
- Community support
Pro
Popular$49
per user / month
- Everything in Free
- Advanced analytics
- Email support
- API access
Pro Group
$40
per user / month · 5 seat min
- Everything in Pro
- 5 seats minimum
- 20% group discount
- Centralized billing
The ecosystem
Credit works best with the rest of Aperio.
Every Aperio product reads from and writes to the same financial reality. Together, they compound.