Revolving Credit Line for SMEs and Startups

Aspire is proud to support Singaporean businesses with a low-interest, S$300k working line of credit. Apply in 5 minutes.
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The fastest and easiest way to get working capital


100% online application. Minimal paperwork.


Get approved in 48 hours. Drawdown immediately.


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

Eligibility requirements

Business is incorporated in Singapore (Pte Ltd, LLP, or LLC)

Minimum 6 months operations

Applicant must be the director

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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.

Looking for customised financing solutions?

We're happy to tailor a solution that suits your business needs of up to S$2M. Fill in the form below and we'll be in touch.
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What our customers say

We love that we only pay for what we use with Aspire’s flexible line of credit. It gave us full control and allowed us to invest in marketing when we needed it and boosted our sales significantly.


Owner of Enjoy Eating
House & Bar

Commonly asked questions

How long does it take to receive funds?

Upon submission of your credit application, it will take 2-7 business days for us to review your application. Once approved, you can drawdown immediately.

What type of financing does Aspire provide?

We provide a revolving business line of credit of up to S$300,000.

If your business has annual revenues over S$2M, we can provide customised financing solutions. Reach out to us at and we'll be happy to find a solution that suits your needs.

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 excluded moneylender under the Moneylenders Act (Cap. 188)

Aspire lends solely to corporations and limited liability partnerships, so a moneylender’s license is not required.

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

Do business with confidence


Your data is stored and protected behind multiple layers of authentication. Accounts are enabled with two factor authentication for added security.

Security is at our core

We implement the highest digital security encryption and access protocols. Customer privacy is central to our build and we never share your data.

Customer service is our priority

We’re here to help in whichever format you prefer. Search our FAQs, chat, call, or email us directly.

Set up a business account in minutes

Fast and simple. Aspire gives over 10,000 business owners their time back.
Apply now