How Multiplier has Revolutionised the Employment Market, Powered by Aspire’s Expense Management Systems
June 3, 2026
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Before Aspire
A lack of centralised expense management resulting in poor visibility of expenditure
Difficulty implementing robust budget controls with employee spend while travelling
High FX fees leading to rigid cashflow when employees spend while travelling
After Aspire
Multiplier can now issue as many corporate cards as they want, with full visibility of all expenses in real-time. Expense reports can be generated w/o having to wait until the end of the month.
Multiplier can now issue Aspire Cards with ease, with full budget control and merchant lock implemented, helping them adhere to planned budgets.
With Aspire's Advance Limits and cards in multiple currencies, Multiplier can now spend without having to worry about FX fees while travelling.
| Company | Founded | Company size | Founder |
|---|---|---|---|
| Multiplier | 2020 | 201-500 | Sagar Khatri, Amritpal Singh, and Vamsi Krishna |
| Industry | Case study focus | Country | Website |
|---|---|---|---|
| Professional Services | Expense Management | Singapore | https://www.usemultiplier.com/ |
The Company: A Next Generation Employment Platform.
Founded in 2020 by Sagar Khatri, Amritpal Singh, and Vamsi Krishna, Multiplier has fast become the leading global employment platform that makes it easy for companies to employ teams internationally without the need to register a legal entity. With a presence in over 150 countries worldwide, Multiplier simplifies the employment process by managing the complexities of local compliance, labour contracts, payroll, benefits, taxes and more, all wrapped up in an easy-to-use SaaS solution.
The Challenges: Opaque, Uncontrolled Expenses
#1 Lack of Centralised Spend Visibility
With a team presence across 35 countries, Multiplier employees are constantly on the move. During such business trips, employees were reliant on a small number of available cards or footing the expenses upfront before being later reimbursed.
This form of expense management left Multiplier’s team with no holistic picture of company expenses in real-time. This became challenging, especially as the business scaled exponentially. To acquire more cards would require lengthy application processes and additional sign-up fees. Multiplier were seeking a better alternative.
#2 Difficulty Implementing Budget Controls
Due to Multiplier’s extensive growth, travelling for some divisions is a necessity. Without an expense management solution, budgeting had become a real issue for management due to continuous month-end surprises when budgets were reviewed. As well as the additional time and resource requirements to reconcile claims.

The Multiplier team at the HR Vendors of the Year Awards 2022
“For organisations with many moving parts like ours, budgeting is important. Being unable to view our state of expenses at any given time causes challenges to modern businesses like ours.”
Sagar Khatri
Co-Founder at Multiplier
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