Funding reimagined for growing businesses

Fast and simple. Secure working capital with 10-20x higher limits in as quickly as 48 hours. Custom solutions available.
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The fastest and easiest way to get working capital


100% online application. Minimal paperwork.


Get approved in 7 business days. Drawdown immediately.


No obligations to draw. Pay interest only on drawn funds. Save when you repay early.

Our products

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Revenue-based financing

Fast, flexible, and fair. Receive funds to grow your online business, and pay back as a percent of revenues. As a founder, you get to grow your business without giving up equity.
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Lines of credit and term loans

Leverage revolving lines of credit to finance short-term, recurring working capital needs. Flexible, and pay only for what you use.

Use short term loans to supercharge your growth. Transparent pricing - with full repayment schedule available before drawdown. Enjoy interest rates as low as 1% per month.
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Reverse factoring

Get paid by your customers immediately for a 3.9% transaction fee. Your customers have 60 days to repay original principal to Aspire.
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Custom solutions

Designed to scale revenue generating, tech companies. Speak to a representative to find the right financing for your capital needs.
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How it works

1. Apply

Set up your account in minutes with no paperwork.

2. Draw

Drawdown immediately upon credit approval.

3. Redraw

Get re-credited upon repayment. Your funds will be made available for drawdown.

Eligibility requirements

Business is incorporated in Singapore

Minimum 6 months operations

Applicant must be a director

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Already trusted by 10,000+ SMEs and Startups

Thousands of business owners like you have chosen Aspire over traditional banks
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Commonly asked questions

How long does it take to receive funds?

Upon submission of your credit application, it will take as fast as up to 7 business days for us to review your application. Once approved, you can drawdown immediately.

What type of financing does Aspire provide?

We provide term loans, a revolving line of credit, reverse factoring, trade financing, as well as customised credit solutions.

What documents do I need to submit to apply?

- All corporate bank accounts' past six months' bank statements
- Director and all guarantors' front and back copy of NRIC / Employment Pass, Passport copy
- Director and all guarantors' CBS report with at least three months' validity

What are your fees like?

Account opening and obtaining a line of credit is free.

There are no obligations to utilise your credit limit, and therefore no monthly fees.

You will only pay when you decide to utilise your credit, and fees are only charged on the amount used. You will always be able to preview your repayment schedule before committing to a withdrawal.

Our fees differ depending on the financial health of each business, but the below should give you a good sense of our pricing range.

Processing Fee: 1 – 4% on the amount withdrawn
Interest Rates: 1 – 3.9% simple monthly interest

Is Aspire regulated by MAS?

Aspire is an exempted moneylender under the Moneylenders Act (Cap. 188)

Check out articles on Aspire by TechCrunch, Tech In Asia, Singapore Business Review and Business Insider here!  

How can I refer a business to Aspire?

Yes, we welcome you to join our credit referral program. Please apply here

Speak to a representative

Please fill in the form below and we'll be in touch.
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Apply for credit in minutes

Fast, easy, transparent. Join over 10,000 business owners who have chosen Aspire.
Apply now

Trusted by 10,000+ startups and E-commerce businesses

HipVan Logo | Aspire
Grain logo | Aspire
Endowus logo | Aspire
TechinAsia logo | Aspire
YCombinator logo | Aspire
Circles Life loge | Aspire
Ohm logo | Aspire
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Spend now, pay later

Easy integrated application

Apply directly from your Aspire account in a couple of clicks.

No annual fees

Power your cards with 51 days of interest-free credit. Without annual or subscription fees.

Simple monthly settlement

No need to top up, or set aside cash. Settle outstanding amounts via monthly invoices
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The easiest, fastest way to create invoices

Create professional looking, tax compliant invoices that match your brand. Your payment details are automatically included, so it’s easier for customers to pay you.
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For Venture-Backed Startups

Get credit for corporate spend management

Issue cards to employees to manage company expenses, and power it up with credit. No need for top ups, or setting aside valuable cash. Just simple monthly settlements.
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For E-commerce, Travel & Marketing Agencies

Get credit that scales with your revenues

There’s no limiting your growth with credit that scales in line with your business. Access credit limits to purchase inventory or boost your advertising.
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Sit back and relax with automatic reconcillation

Matching incoming transfers are automatically synced and marked as paid. Experience the power of an integrated finance stack.
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Spend less time doing boring administrative tasks

Unleash the power of Aspire’s business account along with your invoices. and manage it all with a bird’s eye view. Save a tonne of time, effortlessly.

Aspire provides cashback on our digital marketing and software subscription spend. It's our favourite feature. Every penny saved is a penny earned!

Leon Chen
Co-Founder of Sustenance

Supercharge your growth

Leverage credit to step ahead of the pack.
Start today