[{"data":1,"prerenderedAt":2458},["ShallowReactive",2],{"cms-ui-strings":3,"cms-site-settings":113,"cms-navigation":482,"cms-blog-post-template":1063,"cms-blog-post-latest":1120,"sanity-x_z8mEdffAFnTEwZ57YcwdkIKrJ-2JNe5dX59UHh3wM":1157},{"_createdAt":4,"_id":5,"_rev":6,"_type":7,"_updatedAt":8,"allProvidersLabel":9,"announcementDismissLabel":10,"backToBlogLabel":11,"backToCaseStudiesLabel":12,"backToDownloadsLabel":13,"blogFaqLabel":14,"blogSearchPlaceholder":15,"blogSourcesLabel":16,"blogSummaryLabel":17,"brandHomeLabel":18,"breadcrumbNavigationLabel":19,"caseStudiesLabel":20,"caseStudyApproachLabel":21,"caseStudyChallengeLabel":22,"caseStudyClientLabel":23,"caseStudyCompanySizeLabel":24,"caseStudyCountryLabel":25,"caseStudyFoundedLabel":26,"caseStudyIndustryLabel":27,"caseStudySearchPlaceholder":15,"comingSoonLabel":28,"copyLinkLabel":29,"dataProtectionLabel":30,"downloadButtonLabel":31,"downloadSearchPlaceholder":15,"downloadsLabel":32,"emailPlaceholder":33,"errorPageBody":34,"errorPageBusinessAccountLabel":35,"errorPageCorporateCardLabel":36,"errorPageDestinationsHeading":37,"errorPageExpenseManagementLabel":38,"errorPageGlobalPaymentsLabel":39,"errorPageHeading":40,"errorPageHelpCentreLabel":41,"errorPageHomeLabel":42,"errorPageSupportBody":43,"errorPageSupportHeading":44,"errorPageSupportLinkLabel":45,"errorPageYieldLabel":46,"formErrorMessage":47,"formInvalidEmailMessage":48,"formInvalidPhoneMessage":49,"formInvalidUrlMessage":50,"formRequiredFieldMessage":51,"formSubmitLabel":52,"formSuccessMessage":53,"goToSlideLabel":54,"includedLabel":55,"languageHeading":56,"latestArticlesLabel":57,"launchpadBusinessLocationLabel":58,"launchpadCompanySizeLabel":59,"launchpadFoundedLabel":60,"launchpadHeadquarterLabel":61,"launchpadIndustryLabel":27,"learnMoreLabel":62,"legalEffectiveFromLabel":63,"legalLastUpdatedLabel":64,"loadMoreLabel":65,"mainNavigationLabel":66,"market":67,"marketNames":68,"mostPopularLabel":84,"nextSlideLabel":85,"notIncludedLabel":86,"optionsLabel":87,"previousSlideLabel":88,"pricingFirstPlanFeaturesLabel":89,"pricingUpgradePlanFeaturesLabel":90,"ratingLabel":91,"readCaseStudyLabel":92,"readingTimeLabel":93,"recommendedLabel":94,"regionHeading":95,"regionSelectorLabel":96,"savedPerYearLabel":97,"shareOnFacebookLabel":98,"shareOnLinkedinLabel":99,"shareOnXLabel":100,"sharePostLabel":101,"supportedByLabel":102,"tableOfContentsLabel":103,"titleBrandSuffix":104,"toggleMenuLabel":105,"videoMuteLabel":106,"videoPauseLabel":107,"videoPlayLabel":108,"videoSeekLabel":109,"videoSoundPrompt":110,"videoUnmuteLabel":111,"viewAllCategoriesLabel":112,"viewAllProductsLabel":112},"2026-08-14T19:39:43Z","uiStrings-US","MmHbXlH1BZkVyZmjxBeJBS","uiStrings","2026-09-25T05:24:47Z","All","Dismiss announcement","Back to Blog","Back to Customer Stories","Back to downloads","Frequently Asked Questions","Search","Sources","Summary","Aspire home","Breadcrumb","Customer Stories","After Aspire","Before Aspire","Company","Company size","Country","Founded","Industry","Coming soon","Copy link","Data protection:","Download now","Downloads","Enter your work email","The page you're looking for doesn't exist or has moved. Let's get you back on track.","Business accounts","Corporate cards","Popular destinations","Expense management","FX and payments","Page not found","Help centre","Back to homepage","Explore our Help Centre for detailed guides, step-by-step instructions, and more support topics.","Not finding what you need?","Go to Help Centre","Yield","Oops! Something went wrong while submitting the form.","Email must be formatted correctly.","Please enter a valid phone number.","Please enter a valid website address.","Please complete this required field.","Get Started","Redirecting...","Go to slide {index}","Included","Language","Latest articles","Business locations","Company Size","Founded in","Headquarter","Learn more","Effective from","Last updated","Load more","Main navigation","US",[69,73,75,78,81],{"_key":70,"_type":71,"label":72,"market":70},"SG","marketName","Singapore",{"_key":67,"_type":71,"label":74,"market":67},"United States",{"_key":76,"_type":71,"label":77,"market":76},"AU","Australia",{"_key":79,"_type":71,"label":80,"market":79},"HK","Hong Kong",{"_key":82,"_type":71,"label":83,"market":82},"NL","Netherlands","Most popular","Next","Not included","Options","Previous","What you get","Everything in {planName}, plus","{rating} out of {max} stars","Read the case study","{minutes}min read","Recommended","Region","Change country\u002Fregion","Saved per year","Share on Facebook","Share on LinkedIn","Share on X","Share this post","Supported by","On this page","Aspire US","Toggle menu","Mute","Pause","Play","Seek","Click for sound","Unmute","View all",{"_createdAt":4,"_id":114,"_rev":115,"_type":116,"_updatedAt":117,"announcementBar":118,"baseUrl":120,"defaultSeo":121,"footer":124,"footerLegalParagraphsRich":358,"market":67,"mobileApp":477,"siteName":480,"studioVersion":481},"siteSettings-US","N289tHSSyaNaoa1vsfjVjk","siteSettings","2026-09-30T08:04:34Z",{"enabled":119},false,"https:\u002F\u002Faspireapp.com",{"_type":122,"metaDescription":123},"seo","Multi currency business account, for start-ups & SMEs, to manage your company spends & expenses, accounts receivables & payables, invoices, bills, corporate cards & cross-border payments.",{"copyright":125,"legalParagraphs":126,"legalParagraphsRich":140,"socialLinks":341},"© 2026 AFT US LLC. All rights reserved.",[127,128,129,130,131,132,133,134,135,136,137,138,139],"1. AFT US LLC, d\u002Fb\u002Fa Aspire, is a financial technology company, not a bank. The Deposit Account and banking services are provided by Column N.A., Member FDIC. FDIC deposit insurance covers the failure of an insured depository institution. Deposits in the Deposit Account are FDIC-insured through Column N.A., Member FDIC and Column's Sweep Program Network Banks. Certain conditions must be satisfied for pass-through FDIC insurance to apply.","2. The AFT Secured Commercial Charge Card is issued by Column, N.A., Member FDIC, pursuant to a license from Mastercard. Approval is subject to eligibility. Payment of the account balance is due in full daily.","3. Aspire Treasury is provided to you by AFT US Capital LLC, an SEC-registered investment adviser. Aspire Treasury seeks to earn net returns up to 3.67% annually on invested cash. Net yield numbers are as of Jun 10, 2026, and assumes invested balance greater than $500,000.","Treasury accounts are advised by AFT US Capital LLC, an SEC-registered investment adviser, and are custodied by Atomic Brokerage LLC, a registered broker dealer and member FINRA \u002F SIPC. By opening an Aspire Treasury account, you agree to the AFT US Capital LLC Advisory Agreement, Atomic Brokerage Account Agreement and Atomic Brokerage General Disclosures, and acknowledge receipt of the Atomic Brokerage CRS and the Atomic Privacy Policy. Treasury accounts are not FDIC insured. For additional information about advisory services provided by AFT US Capital LLC, please refer to its ADV Wrap Fee Brochure.","The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.","Furthermore, the information set forth has been obtained from sources that the AFT US Capital LLC believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Aspire Treasury and to provide general background information on its algorithmic investment program.","This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms.","Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.","Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that Aspire Treasury is seeking to achieve over a particular period of time. Projected returns reflect the AFT US Capital LLC’s performance estimate – i.e., the returns that the AFT US Capital LLC believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about AFT US Capital LLC’s risk tolerances when managing the Aspire Treasury strategy and to provide information useful to a client or potential client when assessing how the AFT US Capital LLC’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.","Aspire Treasury is not insured by the FDIC. Aspire Treasury is not a deposit or other obligations of Column N.A., and are not guaranteed by Column N.A.. Aspire Treasury products are subject to investment risks, including possible loss of the principal invested.","1. Tax services are provided by KMK Ventures and not related to Column N.A.","^1.5% cashback applies to all eligible spend made with the Corporate Card. Terms and conditions apply. See cashback policy here.","*EUR, GBP, CNY, HKD, AUD, CAD, CHF, JPY, NOK, NZD, SEK, and SGD accounts are provided by AFT HK Limited ('Aspire HK'). AFT HK Limited is registered in Hong Kong (75317450-000) and licensed as a Money Service Operator by the Hong Kong Customs and Excise Department. Funds held in accounts provided by AFT HK Limited are not insured by the FDIC. The terms and conditions governing the multi-currency accounts and services can be found here.",[141,165,172,179,253,260,267,274,281,288,295,302,323],{"_key":142,"_type":143,"children":144,"markDefs":159,"style":164},"legal-0","block",[145,150,155],{"_key":146,"_type":147,"marks":148,"text":149},"legal-0-text-0","span",[],"1. AFT US LLC, d\u002Fb\u002Fa Aspire, is a financial technology company, not a bank. The Deposit Account and banking services are provided by Column N.A., Member FDIC. FDIC deposit insurance covers the failure of an insured depository institution. Deposits in the Deposit Account are FDIC-insured through Column N.A., Member FDIC and ",{"_key":151,"_type":147,"marks":152,"text":154},"legal-0-link-0",[153],"legal-0-mark-0","Column's Sweep Program Network Banks",{"_key":156,"_type":147,"marks":157,"text":158},"legal-0-text-tail",[],". Certain conditions must be satisfied for pass-through FDIC insurance to apply.",[160],{"_key":153,"_type":161,"externalUrl":162,"linkType":163},"linkAnnotation","https:\u002F\u002Fcolumn.com\u002Flegal\u002Fsweep-program-network-banks","external","normal",{"_key":166,"_type":143,"children":167,"markDefs":171,"style":164},"legal-1",[168],{"_key":169,"_type":147,"marks":170,"text":128},"legal-1-text",[],[],{"_key":173,"_type":143,"children":174,"markDefs":178,"style":164},"legal-2",[175],{"_key":176,"_type":147,"marks":177,"text":129},"legal-2-text",[],[],{"_key":180,"_type":143,"children":181,"markDefs":240,"style":164},"legal-3",[182,186,191,195,200,204,209,213,218,222,227,231,236],{"_key":183,"_type":147,"marks":184,"text":185},"legal-3-text-0",[],"Treasury accounts are advised by AFT US Capital LLC, an SEC-registered investment adviser, and are custodied by Atomic Brokerage LLC, a registered broker dealer and member FINRA \u002F SIPC. By opening an Aspire Treasury account, you agree to the ",{"_key":187,"_type":147,"marks":188,"text":190},"legal-3-link-0",[189],"legal-3-mark-0","AFT US Capital LLC Advisory Agreement",{"_key":192,"_type":147,"marks":193,"text":194},"legal-3-text-1",[],", ",{"_key":196,"_type":147,"marks":197,"text":199},"legal-3-link-1",[198],"legal-3-mark-1","Atomic Brokerage Account Agreement",{"_key":201,"_type":147,"marks":202,"text":203},"legal-3-text-2",[]," and ",{"_key":205,"_type":147,"marks":206,"text":208},"legal-3-link-2",[207],"legal-3-mark-2","Atomic Brokerage General Disclosures",{"_key":210,"_type":147,"marks":211,"text":212},"legal-3-text-3",[],", and acknowledge receipt of the ",{"_key":214,"_type":147,"marks":215,"text":217},"legal-3-link-3",[216],"legal-3-mark-3","Atomic Brokerage CRS",{"_key":219,"_type":147,"marks":220,"text":221},"legal-3-text-4",[]," and the ",{"_key":223,"_type":147,"marks":224,"text":226},"legal-3-link-4",[225],"legal-3-mark-4","Atomic Privacy Policy",{"_key":228,"_type":147,"marks":229,"text":230},"legal-3-text-5",[],". Treasury accounts are not FDIC insured. For additional information about advisory services provided by AFT US Capital LLC, please refer to its ",{"_key":232,"_type":147,"marks":233,"text":235},"legal-3-link-5",[234],"legal-3-mark-5","ADV Wrap Fee Brochure",{"_key":237,"_type":147,"marks":238,"text":239},"legal-3-text-tail",[],".",[241,243,245,247,249,251],{"_key":189,"_type":161,"externalUrl":242,"linkType":163},"https:\u002F\u002Fdrive.google.com\u002Ffile\u002Fd\u002F1g4nlExPqjPkT-gDT9g9eJhtG_jbMHtDp\u002Fview",{"_key":198,"_type":161,"externalUrl":244,"linkType":163},"https:\u002F\u002Fdrive.google.com\u002Ffile\u002Fd\u002F1rq9a7NMhhgUwKnBTM4_0fRFgFtzu7okh\u002Fview",{"_key":207,"_type":161,"externalUrl":246,"linkType":163},"https:\u002F\u002Fdrive.google.com\u002Ffile\u002Fd\u002F1b3eXz0ETTKiRKLEjDzGCLZX0WG6obm8G\u002Fview",{"_key":216,"_type":161,"externalUrl":248,"linkType":163},"https:\u002F\u002Fdrive.google.com\u002Ffile\u002Fd\u002F1m7MUVaHDdm_rjg7upCMbfeHU34cY52eS\u002Fview",{"_key":225,"_type":161,"externalUrl":250,"linkType":163},"https:\u002F\u002Fdrive.google.com\u002Ffile\u002Fd\u002F1VcARrLpEGqr8MUon6e8IiwwYq7OONIDe\u002Fview",{"_key":234,"_type":161,"externalUrl":252,"linkType":163},"https:\u002F\u002Fdrive.google.com\u002Ffile\u002Fd\u002F1LGJTN61Lw-ibnV2-RVusrorgPxOwbZtU\u002Fview",{"_key":254,"_type":143,"children":255,"markDefs":259,"style":164},"legal-4",[256],{"_key":257,"_type":147,"marks":258,"text":131},"legal-4-text",[],[],{"_key":261,"_type":143,"children":262,"markDefs":266,"style":164},"legal-5",[263],{"_key":264,"_type":147,"marks":265,"text":132},"legal-5-text",[],[],{"_key":268,"_type":143,"children":269,"markDefs":273,"style":164},"legal-6",[270],{"_key":271,"_type":147,"marks":272,"text":133},"legal-6-text",[],[],{"_key":275,"_type":143,"children":276,"markDefs":280,"style":164},"legal-7",[277],{"_key":278,"_type":147,"marks":279,"text":134},"legal-7-text",[],[],{"_key":282,"_type":143,"children":283,"markDefs":287,"style":164},"legal-8",[284],{"_key":285,"_type":147,"marks":286,"text":135},"legal-8-text",[],[],{"_key":289,"_type":143,"children":290,"markDefs":294,"style":164},"legal-9",[291],{"_key":292,"_type":147,"marks":293,"text":136},"legal-9-text",[],[],{"_key":296,"_type":143,"children":297,"markDefs":301,"style":164},"legal-10",[298],{"_key":299,"_type":147,"marks":300,"text":137},"legal-10-text",[],[],{"_key":303,"_type":143,"children":304,"markDefs":317,"style":164},"legal-11",[305,309,314],{"_key":306,"_type":147,"marks":307,"text":308},"legal-11-text-0",[],"^1.5% cashback applies to all eligible spend made with the Corporate Card. Terms and conditions apply. See cashback policy ",{"_key":310,"_type":147,"marks":311,"text":313},"legal-11-link-0",[312],"legal-11-mark-0","here",{"_key":315,"_type":147,"marks":316,"text":239},"legal-11-text-tail",[],[318],{"_key":312,"_type":161,"internal":319,"linkType":322},{"_ref":320,"_type":321},"legalPage-US-cashback-terms","reference","internal",{"_key":324,"_type":143,"children":325,"markDefs":337,"style":164},"legal-12",[326,330,334],{"_key":327,"_type":147,"marks":328,"text":329},"legal-12-text-0",[],"*EUR, GBP, CNY, HKD, AUD, CAD, CHF, JPY, NOK, NZD, SEK, and SGD accounts are provided by AFT HK Limited ('Aspire HK'). AFT HK Limited is registered in Hong Kong (75317450-000) and licensed as a Money Service Operator by the Hong Kong Customs and Excise Department. Funds held in accounts provided by AFT HK Limited are not insured by the FDIC. The terms and conditions governing the multi-currency accounts and services can be found ",{"_key":331,"_type":147,"marks":332,"text":313},"legal-12-link-0",[333],"legal-12-mark-0",{"_key":335,"_type":147,"marks":336,"text":239},"legal-12-text-tail",[],[338],{"_key":333,"_type":161,"internal":339,"linkType":322},{"_ref":340,"_type":321},"legalPage-US-aft-hk-limited-master-service-agreement",[342,348,353],{"_key":343,"_type":344,"label":345,"platform":346,"url":347},"social-linkedin","socialLink","Aspire on LinkedIn","linkedin","https:\u002F\u002Fwww.linkedin.com\u002Fcompany\u002Faspireapp-global\u002F",{"_key":349,"_type":344,"label":350,"platform":351,"url":352},"social-instagram","Aspire on Instagram","instagram","https:\u002F\u002Fwww.instagram.com\u002Faspireapp.global\u002F",{"_key":354,"_type":344,"label":355,"platform":356,"url":357},"social-x","Aspire on X","x","https:\u002F\u002Fx.com\u002Faspireappglobal",[359,370,375,380,415,420,425,430,435,440,445,450,464],{"_key":142,"_type":143,"children":360,"markDefs":367,"style":164},[361,363,365],{"_key":146,"_type":147,"marks":362,"text":149},[],{"_key":151,"_type":147,"marks":364,"text":154},[153],{"_key":156,"_type":147,"marks":366,"text":158},[],[368],{"_key":153,"_type":161,"externalUrl":162,"internalTarget":369,"linkType":163},null,{"_key":166,"_type":143,"children":371,"markDefs":374,"style":164},[372],{"_key":169,"_type":147,"marks":373,"text":128},[],[],{"_key":173,"_type":143,"children":376,"markDefs":379,"style":164},[377],{"_key":176,"_type":147,"marks":378,"text":129},[],[],{"_key":180,"_type":143,"children":381,"markDefs":408,"style":164},[382,384,386,388,390,392,394,396,398,400,402,404,406],{"_key":183,"_type":147,"marks":383,"text":185},[],{"_key":187,"_type":147,"marks":385,"text":190},[189],{"_key":192,"_type":147,"marks":387,"text":194},[],{"_key":196,"_type":147,"marks":389,"text":199},[198],{"_key":201,"_type":147,"marks":391,"text":203},[],{"_key":205,"_type":147,"marks":393,"text":208},[207],{"_key":210,"_type":147,"marks":395,"text":212},[],{"_key":214,"_type":147,"marks":397,"text":217},[216],{"_key":219,"_type":147,"marks":399,"text":221},[],{"_key":223,"_type":147,"marks":401,"text":226},[225],{"_key":228,"_type":147,"marks":403,"text":230},[],{"_key":232,"_type":147,"marks":405,"text":235},[234],{"_key":237,"_type":147,"marks":407,"text":239},[],[409,410,411,412,413,414],{"_key":189,"_type":161,"externalUrl":242,"internalTarget":369,"linkType":163},{"_key":198,"_type":161,"externalUrl":244,"internalTarget":369,"linkType":163},{"_key":207,"_type":161,"externalUrl":246,"internalTarget":369,"linkType":163},{"_key":216,"_type":161,"externalUrl":248,"internalTarget":369,"linkType":163},{"_key":225,"_type":161,"externalUrl":250,"internalTarget":369,"linkType":163},{"_key":234,"_type":161,"externalUrl":252,"internalTarget":369,"linkType":163},{"_key":254,"_type":143,"children":416,"markDefs":419,"style":164},[417],{"_key":257,"_type":147,"marks":418,"text":131},[],[],{"_key":261,"_type":143,"children":421,"markDefs":424,"style":164},[422],{"_key":264,"_type":147,"marks":423,"text":132},[],[],{"_key":268,"_type":143,"children":426,"markDefs":429,"style":164},[427],{"_key":271,"_type":147,"marks":428,"text":133},[],[],{"_key":275,"_type":143,"children":431,"markDefs":434,"style":164},[432],{"_key":278,"_type":147,"marks":433,"text":134},[],[],{"_key":282,"_type":143,"children":436,"markDefs":439,"style":164},[437],{"_key":285,"_type":147,"marks":438,"text":135},[],[],{"_key":289,"_type":143,"children":441,"markDefs":444,"style":164},[442],{"_key":292,"_type":147,"marks":443,"text":136},[],[],{"_key":296,"_type":143,"children":446,"markDefs":449,"style":164},[447],{"_key":299,"_type":147,"marks":448,"text":137},[],[],{"_key":303,"_type":143,"children":451,"markDefs":458,"style":164},[452,454,456],{"_key":306,"_type":147,"marks":453,"text":308},[],{"_key":310,"_type":147,"marks":455,"text":313},[312],{"_key":315,"_type":147,"marks":457,"text":239},[],[459],{"_key":312,"_type":161,"internal":460,"internalTarget":461,"linkType":322},{"_ref":320,"_type":321},{"_type":462,"slug":463},"legalPage","cashback-terms",{"_key":324,"_type":143,"children":465,"markDefs":472,"style":164},[466,468,470],{"_key":327,"_type":147,"marks":467,"text":329},[],{"_key":331,"_type":147,"marks":469,"text":313},[333],{"_key":335,"_type":147,"marks":471,"text":239},[],[473],{"_key":333,"_type":161,"internal":474,"internalTarget":475,"linkType":322},{"_ref":340,"_type":321},{"_type":462,"slug":476},"aft-hk-limited-master-service-agreement",{"rating":478},{"value":479},4.5,"Aspire","2026.10.1",{"_createdAt":4,"_id":483,"_rev":484,"_type":485,"_updatedAt":486,"footerGroups":487,"getStartedLink":687,"header":690,"loginLink":714,"market":67,"megaMenu":717},"navigation-US","s8k3pIFJmZrTtV5XljWRgT","navigation","2026-10-01T04:56:31Z",[488,534,581,631,662],{"_key":489,"_type":490,"links":491,"title":533},"footer-products","footerGroup",[492,501,508,515,522,529],{"_key":493,"_type":494,"internal":495,"internalTarget":497,"label":500,"linkType":322},"fp-1","link",{"_ref":496,"_type":321},"page-US-business-account",{"_type":498,"slug":499},"page","business-account","Business Account",{"_key":502,"_type":494,"internal":503,"internalTarget":505,"label":507,"linkType":322},"fp-2",{"_ref":504,"_type":321},"page-US-corporate-card",{"_type":498,"slug":506},"corporate-card","Corporate Card",{"_key":509,"_type":494,"internal":510,"internalTarget":512,"label":514,"linkType":322},"fp-3",{"_ref":511,"_type":321},"page-US-global-payments",{"_type":498,"slug":513},"global-payments","Global Payments",{"_key":516,"_type":494,"internal":517,"internalTarget":519,"label":521,"linkType":322},"fp-4",{"_ref":518,"_type":321},"page-US-expense-management",{"_type":498,"slug":520},"expense-management","Expense Management",{"_key":523,"_type":494,"internal":524,"internalTarget":526,"label":528,"linkType":322},"fp-5",{"_ref":525,"_type":321},"page-US-integrations",{"_type":498,"slug":527},"integrations","Integrations",{"_key":530,"_type":494,"externalUrl":531,"internalTarget":369,"label":532,"linkType":163},"fp-6","https:\u002F\u002Faspireapp.com\u002Fen-us\u002Ftreasury","Treasury & Yield","Products",{"_key":535,"_type":490,"links":536,"title":580},"footer-compare",[537,545,552,559,566,573],{"_key":538,"_type":494,"internal":539,"internalTarget":541,"label":544,"linkType":322},"fcm-1",{"_ref":540,"_type":321},"comparison-US-6a5a635f03d2067fe39a3801",{"_type":542,"slug":543},"comparison","aspire-business-account-vs-airwallex-business-account","Aspire vs Airwallex",{"_key":546,"_type":494,"internal":547,"internalTarget":549,"label":551,"linkType":322},"fcm-2",{"_ref":548,"_type":321},"comparison-US-6a5a61c87e9fb7715ab1e104",{"_type":542,"slug":550},"aspire-business-account-vs-brex-business-account","Aspire vs Brex",{"_key":553,"_type":494,"internal":554,"internalTarget":556,"label":558,"linkType":322},"fcm-3",{"_ref":555,"_type":321},"comparison-US-6a5a61bca9af5f2ce1a89e2f",{"_type":542,"slug":557},"aspire-business-account-vs-mercury-business-account","Aspire vs Mercury",{"_key":560,"_type":494,"internal":561,"internalTarget":563,"label":565,"linkType":322},"fcm-4",{"_ref":562,"_type":321},"comparison-US-6a5a61d7a9af5f2ce1a8a4c4",{"_type":542,"slug":564},"aspire-business-account-vs-rho-business-account","Aspire vs Rho",{"_key":567,"_type":494,"internal":568,"internalTarget":570,"label":572,"linkType":322},"fcm-5",{"_ref":569,"_type":321},"comparison-US-6a5a61e6f012a7dd306640cb",{"_type":542,"slug":571},"aspire-business-account-vs-relay-business-checking-account","Aspire vs Relay",{"_key":574,"_type":494,"internal":575,"internalTarget":577,"label":579,"linkType":322},"fcm-6",{"_ref":576,"_type":321},"comparison-US-6a5a61f44f45ffea5c6caff2",{"_type":542,"slug":578},"aspire-business-account-vs-novo-business-checking-account","Aspire vs Novo","Compare",{"_key":582,"_type":490,"links":583,"title":630},"footer-resources",[584,591,598,603,607,611,615,619,623],{"_key":585,"_type":494,"internal":586,"internalTarget":588,"label":590,"linkType":322},"fr-1",{"_ref":587,"_type":321},"page-US-blog",{"_type":498,"slug":589},"blog","Blog",{"_key":592,"_type":494,"internal":593,"internalTarget":595,"label":597,"linkType":322},"fr-2",{"_ref":594,"_type":321},"page-US-aspire-for-startups",{"_type":498,"slug":596},"aspire-for-startups","Aspire for Startups",{"_key":599,"_type":494,"externalUrl":600,"internalTarget":369,"label":601,"linkType":163,"openInNewTab":602},"fr-3","https:\u002F\u002Fhelp.aspireapp.com\u002Fus\u002Fen","FAQ",true,{"_key":604,"_type":494,"externalUrl":605,"internalTarget":369,"label":606,"linkType":163},"fr-4","https:\u002F\u002Faspireapp.com\u002Fen-us\u002Fcalculators\u002Fbusiness-loan-calculator","Business Loan Calculator",{"_key":608,"_type":494,"externalUrl":609,"internalTarget":369,"label":610,"linkType":163},"fr-5","https:\u002F\u002Faspireapp.com\u002Fen-us\u002Fcalculators\u002Fprofit-margin-calculator","Profit Margin Calculator",{"_key":612,"_type":494,"externalUrl":613,"internalTarget":369,"label":614,"linkType":163},"fr-6","https:\u002F\u002Faspireapp.com\u002Fen-us\u002Fcalculators\u002Fburn-rate-calculator","Burn Rate Calculator",{"_key":616,"_type":494,"externalUrl":617,"internalTarget":369,"label":618,"linkType":163},"fr-7","https:\u002F\u002Faspireapp.com\u002Fen-us\u002Fcalculators\u002Fstripe-fee-calculator","Stripe Fee Calculator",{"_key":620,"_type":494,"externalUrl":621,"internalTarget":369,"label":622,"linkType":163},"fr-8","https:\u002F\u002Faspireapp.com\u002Fen-us\u002Fcalculators\u002Fbreak-even-point-calculator","Break-even Calculator",{"_key":624,"_type":494,"internal":625,"internalTarget":627,"label":629,"linkType":322},"fr-9",{"_ref":626,"_type":321},"page-US-calculators-amazon-fee-calculator",{"_type":498,"slug":628},"calculators\u002Famazon-fee-calculator","Amazon Fee Calculator","Resources",{"_key":632,"_type":490,"links":633,"title":23},"footer-company",[634,641,648,655],{"_key":635,"_type":494,"internal":636,"internalTarget":638,"label":640,"linkType":322},"fc-1",{"_ref":637,"_type":321},"page-US-about-us",{"_type":498,"slug":639},"about-us","About Aspire",{"_key":642,"_type":494,"internal":643,"internalTarget":645,"label":647,"linkType":322},"fc-2",{"_ref":644,"_type":321},"page-US-contact-us",{"_type":498,"slug":646},"contact-us","Contact Us",{"_key":649,"_type":494,"internal":650,"internalTarget":652,"label":654,"linkType":322},"fc-3",{"_ref":651,"_type":321},"page-US-careers",{"_type":498,"slug":653},"careers","Careers",{"_key":656,"_type":494,"internal":657,"internalTarget":659,"label":661,"linkType":322},"fc-4",{"_ref":658,"_type":321},"page-US-partners",{"_type":498,"slug":660},"partners","Partner with Aspire",{"_key":663,"_type":490,"isLegal":602,"links":664,"title":686},"footer-legal",[665,672,679],{"_key":666,"_type":494,"internal":667,"internalTarget":669,"label":671,"linkType":322},"fl-1",{"_ref":668,"_type":321},"legalPage-US-privacy-policy",{"_type":462,"slug":670},"privacy-policy","Privacy Policy",{"_key":673,"_type":494,"internal":674,"internalTarget":676,"label":678,"linkType":322},"fl-2",{"_ref":675,"_type":321},"legalPage-US-terms-of-service",{"_type":462,"slug":677},"terms-of-service","Terms of Service",{"_key":680,"_type":494,"internal":681,"internalTarget":683,"label":685,"linkType":322},"fl-3",{"_ref":682,"_type":321},"page-US-complaints",{"_type":498,"slug":684},"complaints","Complaints Policy","Legal",{"_type":494,"externalUrl":688,"internalTarget":369,"label":689,"linkType":163,"openInNewTab":602},"https:\u002F\u002Fapp.aspireapp.com\u002Fregister\u002Fperson","Get started",[691,695,698,700,707],{"_key":692,"_type":494,"internalTarget":369,"label":693,"linkType":694},"nav-product","Product","none",{"_key":696,"_type":494,"internalTarget":369,"label":697,"linkType":694},"nav-solutions","Solutions",{"_key":699,"_type":494,"internalTarget":369,"label":630,"linkType":694},"nav-resources",{"_key":701,"_type":494,"internal":702,"internalTarget":704,"label":706,"linkType":322},"nav-pricing",{"_ref":703,"_type":321},"page-US-pricing",{"_type":498,"slug":705},"pricing","Pricing",{"_key":708,"_type":494,"internal":709,"internalTarget":711,"label":713,"linkType":322},"nav-incorporations",{"_ref":710,"_type":321},"page-US-launchpad",{"_type":498,"slug":712},"launchpad","Incorporations",{"_type":494,"externalUrl":715,"internalTarget":369,"label":716,"linkType":163,"openInNewTab":602},"https:\u002F\u002Fapp.aspireapp.com\u002Flogin","Login",[718,847,1007],{"_key":719,"_type":720,"columns":721,"featured":834,"label":693},"mm-product","megaMenuPanel",[722,747,781,809],{"_key":723,"_type":724,"links":725,"title":500},"mm-product-account","megaMenuColumn",[726,733,739],{"_key":727,"_type":728,"link":729},"mm-p-multicurrency","megaMenuLink",{"_type":494,"internal":730,"internalTarget":731,"label":732,"linkType":322},{"_ref":496,"_type":321},{"_type":498,"slug":499},"Multi-Currency",{"_key":734,"_type":728,"link":735},"mm-p-cards",{"_type":494,"internal":736,"internalTarget":737,"label":738,"linkType":322},{"_ref":504,"_type":321},{"_type":498,"slug":506},"Smart Cards",{"_key":740,"_type":728,"link":741},"mm-p-yield",{"_type":494,"internal":742,"internalTarget":744,"label":746,"linkType":322},{"_ref":743,"_type":321},"page-US-yield",{"_type":498,"slug":745},"yield","Yield\u002FTreasury",{"_key":748,"_type":724,"links":749,"title":780},"mm-product-cfo",[750,755,763,771],{"_key":751,"_type":728,"link":752},"mm-p-expense",{"_type":494,"internal":753,"internalTarget":754,"label":521,"linkType":322},{"_ref":518,"_type":321},{"_type":498,"slug":520},{"_key":756,"_type":728,"link":757},"mm-p-budgets",{"_type":494,"internal":758,"internalTarget":760,"label":762,"linkType":322},{"_ref":759,"_type":321},"page-US-budgets",{"_type":498,"slug":761},"budgets","Budget Management",{"_key":764,"_type":728,"link":765},"mm-p-receivable",{"_type":494,"internal":766,"internalTarget":768,"label":770,"linkType":322},{"_ref":767,"_type":321},"page-US-invoice-management",{"_type":498,"slug":769},"invoice-management","Accounts Receivable",{"_key":772,"_type":728,"badgeLabel":773,"link":774},"mm-p-procure","NEW",{"_type":494,"internal":775,"internalTarget":777,"label":779,"linkType":322},{"_ref":776,"_type":321},"page-US-procure-to-pay",{"_type":498,"slug":778},"procure-to-pay","Procure-to-pay","CFO Suites",{"_key":782,"_type":724,"badgeLabel":773,"links":783,"title":808},"mm-product-payroll",[784,792,800],{"_key":785,"_type":728,"link":786},"mm-p-payroll",{"_type":494,"internal":787,"internalTarget":789,"label":791,"linkType":322},{"_ref":788,"_type":321},"page-US-use-case-payroll",{"_type":498,"slug":790},"use-case\u002Fpayroll","Global Payroll",{"_key":793,"_type":728,"link":794},"mm-p-eor",{"_type":494,"internal":795,"internalTarget":797,"label":799,"linkType":322},{"_ref":796,"_type":321},"page-US-employer-of-record",{"_type":498,"slug":798},"employer-of-record","Employer of Record",{"_key":801,"_type":728,"link":802},"mm-p-contractors",{"_type":494,"internal":803,"internalTarget":805,"label":807,"linkType":322},{"_ref":804,"_type":321},"page-US-contractor-management-product",{"_type":498,"slug":806},"contractor-management-product","Contractors","Payroll & Hiring",{"_key":810,"_type":724,"links":811,"title":833},"mm-product-platform",[812,817,825],{"_key":813,"_type":728,"link":814},"mm-p-global-payments",{"_type":494,"internal":815,"internalTarget":816,"label":514,"linkType":322},{"_ref":511,"_type":321},{"_type":498,"slug":513},{"_key":818,"_type":728,"link":819},"mm-p-issuance",{"_type":494,"internal":820,"internalTarget":822,"label":824,"linkType":322},{"_ref":821,"_type":321},"page-US-issuance",{"_type":498,"slug":823},"issuance","Issuance",{"_key":826,"_type":728,"link":827},"mm-p-global-accounts",{"_type":494,"internal":828,"internalTarget":830,"label":832,"linkType":322},{"_ref":829,"_type":321},"page-US-global-account",{"_type":498,"slug":831},"global-account","Global Accounts","Platform",{"body":835,"eyebrow":836,"heading":837,"image":838,"link":844},"For businesses with complex operations that need a relationship manager.","Updates","Pricing that fits your business",{"_type":839,"alternativeText":840,"height":841,"url":842,"width":843},"imageUrl","The Aspire team",300,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F015a53c008534f6ca384d53f932a5b6b\u002F68fa072e9f0a363d784248dd_Frame-1707480689.webp",588,{"_type":494,"internal":845,"internalTarget":846,"label":837,"linkType":322},{"_ref":703,"_type":321},{"_type":498,"slug":705},{"_key":848,"_type":720,"columns":849,"featured":989,"label":697},"mm-solutions",[850,887,913,964],{"_key":851,"_type":724,"links":852,"title":886},"mm-solutions-industry",[853,862,870,878],{"_key":854,"_type":728,"link":855},"mm-s-consulting",{"_type":494,"internal":856,"internalTarget":858,"label":861,"linkType":322},{"_ref":857,"_type":321},"solution-US-consulting",{"_type":859,"slug":860},"solution","consulting","Consulting",{"_key":863,"_type":728,"link":864},"mm-s-ecommerce",{"_type":494,"internal":865,"internalTarget":867,"label":869,"linkType":322},{"_ref":866,"_type":321},"solution-US-ecommerce",{"_type":859,"slug":868},"ecommerce","eCommerce",{"_key":871,"_type":728,"link":872},"mm-s-marketing",{"_type":494,"internal":873,"internalTarget":875,"label":877,"linkType":322},{"_ref":874,"_type":321},"solution-US-marketing-agencies",{"_type":859,"slug":876},"marketing-agencies","Marketing Agencies",{"_key":879,"_type":728,"link":880},"mm-s-vc-firms",{"_type":494,"internal":881,"internalTarget":883,"label":885,"linkType":322},{"_ref":882,"_type":321},"solution-US-vc-funds",{"_type":859,"slug":884},"vc-funds","VC & Investment Firms","By Industry",{"_key":888,"_type":724,"links":889,"title":912},"mm-solutions-size",[890,896,904],{"_key":891,"_type":728,"link":892},"mm-s-startups",{"_type":494,"internal":893,"internalTarget":894,"label":895,"linkType":322},{"_ref":594,"_type":321},{"_type":498,"slug":596},"Startups",{"_key":897,"_type":728,"link":898},"mm-s-smes",{"_type":494,"internal":899,"internalTarget":901,"label":903,"linkType":322},{"_ref":900,"_type":321},"solution-US-sme",{"_type":859,"slug":902},"sme","SMEs",{"_key":905,"_type":728,"link":906},"mm-s-midsized",{"_type":494,"internal":907,"internalTarget":909,"label":911,"linkType":322},{"_ref":908,"_type":321},"solution-US-mid-sized-companies",{"_type":859,"slug":910},"mid-sized-companies","Mid-Sized","By Company Size",{"_key":914,"_type":724,"links":915,"title":963},"mm-solutions-partner",[916,924,931,939,947,955],{"_key":917,"_type":728,"link":918},"mm-s-accountants",{"_type":494,"internal":919,"internalTarget":921,"label":923,"linkType":322},{"_ref":920,"_type":321},"page-US-accountants",{"_type":498,"slug":922},"partners\u002Faccountants","Accountants",{"_key":925,"_type":728,"link":926},"mm-s-partners-ecommerce",{"_type":494,"internal":927,"internalTarget":929,"label":869,"linkType":322},{"_ref":928,"_type":321},"page-US-ecommerce-partners",{"_type":498,"slug":930},"partners\u002Fecommerce",{"_key":932,"_type":728,"link":933},"mm-s-corpsec",{"_type":494,"internal":934,"internalTarget":936,"label":938,"linkType":322},{"_ref":935,"_type":321},"page-US-corpsec",{"_type":498,"slug":937},"partners\u002Fcorpsec","CorpSec",{"_key":940,"_type":728,"link":941},"mm-s-vc-incubators",{"_type":494,"internal":942,"internalTarget":944,"label":946,"linkType":322},{"_ref":943,"_type":321},"page-US-vc-and-incubators",{"_type":498,"slug":945},"partners\u002Fvc-and-incubators","VC & Incubators",{"_key":948,"_type":728,"link":949},"mm-s-immigration",{"_type":494,"internal":950,"internalTarget":952,"label":954,"linkType":322},{"_ref":951,"_type":321},"page-US-immigration-and-legal",{"_type":498,"slug":953},"partners\u002Fimmigration-and-legal","Immigration and Legal",{"_key":956,"_type":728,"link":957},"mm-s-affiliates",{"_type":494,"internal":958,"internalTarget":960,"label":962,"linkType":322},{"_ref":959,"_type":321},"page-US-aspire-affiliate-program",{"_type":498,"slug":961},"partners\u002Faspire-affiliate-program","Affiliates","For Our Partners",{"_key":965,"_type":724,"links":966,"title":988},"mm-solutions-connectivity",[967,975,980],{"_key":968,"_type":728,"link":969},"mm-s-aspire-connect",{"_type":494,"internal":970,"internalTarget":972,"label":974,"linkType":322},{"_ref":971,"_type":321},"page-US-aspire-connect",{"_type":498,"slug":973},"aspire-connect","Aspire Connect",{"_key":976,"_type":728,"link":977},"mm-s-integrations",{"_type":494,"internal":978,"internalTarget":979,"label":528,"linkType":322},{"_ref":525,"_type":321},{"_type":498,"slug":527},{"_key":981,"_type":728,"badgeLabel":773,"link":982},"mm-s-mcp",{"_type":494,"internal":983,"internalTarget":985,"label":987,"linkType":322},{"_ref":984,"_type":321},"page-US-mcp",{"_type":498,"slug":986},"mcp","MCP","Connectivity & AI",{"body":990,"eyebrow":991,"link":992,"logo":995,"person":1000},"Aspire's global rails made it effortless to move funds internationally, control spend securely, and stay compliant without the paperwork chaos.","Customer Testimonials",{"_type":494,"externalUrl":993,"internalTarget":369,"label":994,"linkType":163},"https:\u002F\u002Ftestimonial.to\u002Faspire-testimonials\u002Fall","View all testimonials",{"_type":839,"alternativeText":996,"height":997,"url":998,"width":999},"ZenAdmin",254,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F4bcf6c55c33ccc2363463456a0b1597c\u002F6aa8b8521ee748f0c243dc8c_zen-admin-dark.png",1233,{"image":1001,"name":1005,"role":1006},{"_type":839,"alternativeText":1002,"height":1003,"url":1004,"width":1003},"Yoan Kamalski, CEO and Founder",800,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Ffa6ed3c2965538289bec3174bf0cd300\u002F68c79879a35bb17fefd4c974_124d082c1d5b8501b8279a1c9d9cd48df3a4e8b4.webp","Yoan Kamalski","CEO and Founder",{"_key":1008,"_type":720,"columns":1009,"featured":1058,"label":630},"mm-resources",[1010,1032,1044],{"_key":1011,"_type":724,"links":1012,"title":1031},"mm-resources-knowledge",[1013,1019,1027],{"_key":1014,"_type":728,"link":1015},"mm-r-blogs",{"_type":494,"internal":1016,"internalTarget":1017,"label":1018,"linkType":322},{"_ref":587,"_type":321},{"_type":498,"slug":589},"Blogs",{"_key":1020,"_type":728,"link":1021},"mm-r-downloads",{"_type":494,"internal":1022,"internalTarget":1024,"label":1026,"linkType":322},{"_ref":1023,"_type":321},"page-US-downloads",{"_type":498,"slug":1025},"downloads","Reports & Insights",{"_key":1028,"_type":728,"link":1029},"mm-r-faqs",{"_type":494,"externalUrl":600,"internalTarget":369,"label":1030,"linkType":163,"openInNewTab":602},"FAQs","Knowledge Hub",{"_key":1033,"_type":724,"links":1034,"title":1043},"mm-resources-benefits",[1035],{"_key":1036,"_type":728,"link":1037},"mm-r-rewards",{"_type":494,"internal":1038,"internalTarget":1040,"label":1042,"linkType":322},{"_ref":1039,"_type":321},"page-US-rewards",{"_type":498,"slug":1041},"rewards","Perks & Rewards","Benefits",{"_key":1045,"_type":724,"links":1046,"title":1057},"mm-resources-about",[1047,1052],{"_key":1048,"_type":728,"link":1049},"mm-r-about",{"_type":494,"internal":1050,"internalTarget":1051,"label":640,"linkType":322},{"_ref":637,"_type":321},{"_type":498,"slug":639},{"_key":1053,"_type":728,"link":1054},"mm-r-partner",{"_type":494,"internal":1055,"internalTarget":1056,"label":661,"linkType":322},{"_ref":658,"_type":321},{"_type":498,"slug":660},"About",{"body":990,"eyebrow":991,"link":1059,"logo":1060,"person":1061},{"_type":494,"externalUrl":993,"internalTarget":369,"label":994,"linkType":163},{"_type":839,"alternativeText":996,"height":997,"url":998,"width":999},{"image":1062,"name":1005,"role":1006},{"_type":839,"alternativeText":1002,"height":1003,"url":1004,"width":1003},{"_createdAt":1064,"_id":1065,"_rev":484,"_type":1066,"_updatedAt":486,"asideCta":1067,"bottomCta":1075,"disclaimer":1080,"market":67,"midCta":1109},"2026-08-20T02:48:18Z","blogPostTemplate-US","blogPostTemplate",{"heading":1068,"image":1069,"link":1074},"Open your business account with Aspire",{"_type":839,"alternativeText":1070,"height":1071,"url":1072,"width":1073},"The Aspire account dashboard open on a laptop",141,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F071d2f9e0cef8a5afa0be380c0915d1f\u002F6a2c4df682d5b7a2e840452a_blog-post-template-02.png",306,{"_type":494,"externalUrl":688,"label":689,"linkType":163},{"heading":1076,"link":1077},"Start your journey with Aspire",{"_type":494,"externalUrl":1078,"label":1079,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus\u002Ftalk-to-sales","Talk to Sales",[1081],{"_key":1082,"_type":143,"children":1083,"markDefs":1104,"style":164},"2c8d61d0-456",[1084,1088,1092,1096,1100],{"_key":1085,"_type":147,"marks":1086,"text":1087},"us-disclaimer-lead",[],"This blog is for general information only and does not constitute financial, legal, tax, or professional advice. Aspire’s services are subject to the terms outlined in our ’",{"_key":1089,"_type":147,"marks":1090,"text":678},"us-disclaimer-terms-text",[1091],"us-disclaimer-terms",{"_key":1093,"_type":147,"marks":1094,"text":1095},"us-disclaimer-middle",[],"’ and ’",{"_key":1097,"_type":147,"marks":1098,"text":706},"us-disclaimer-pricing-text",[1099],"us-disclaimer-pricing",{"_key":1101,"_type":147,"marks":1102,"text":1103},"us-disclaimer-tail",[],"’ pages. We make no guarantees as to the accuracy, completeness, or timeliness of the content, and past results do not indicate future performance. Always consult a qualified professional before acting on any information provided.",[1105,1107],{"_key":1091,"_type":161,"externalUrl":1106,"linkType":163},"\u002Ftnc\u002Fterms-of-service",{"_key":1099,"_type":161,"externalUrl":1108,"linkType":163},"\u002Fpricing",{"body":1110,"eyebrow":1111,"heading":1112,"image":1113,"link":1118},"Find out how Aspire can help you speed up your end-to-end finance processes from payments to expense management.","Aspire Launchpad","Supercharge your finance operations with Aspire",{"_type":839,"alternativeText":1114,"height":1115,"url":1116,"width":1117},"A person writing in a notebook with a laptop open on their lap",1026,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002Fd84bbcbad1e6ba37331742538394d1b0\u002F69d5f2a347377654dbe286ac_blog-post-template-04-q70.webp",1048,{"_type":494,"externalUrl":1078,"label":1119,"linkType":163},"Talk to sales",[1121,1132,1142,1150],{"_id":1122,"category":1123,"coverImage":1124,"description":1129,"publishedAt":1130,"slug":1131,"title":1125},"blogPost-US-6aa81a483e59c62453c01185",{"slug":499,"title":500},{"_type":839,"alternativeText":1125,"height":1126,"url":1127,"width":1128},"Live Oak business checking account: features, fees & alternatives",630,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F2e3bbd20decf4974b8b8b686735f8a80\u002Fbendigo-business-account-review_social.jpeg",1200,"Live Oak Bank business checking review: features, fees, account types, and how it compares to Mercury, Brex, and traditional banks for small businesses.","2026-09-15T08:57:46.000Z","live-oak-business-checking-review",{"_id":1133,"category":1134,"coverImage":1137,"description":1140,"publishedAt":1130,"slug":1141,"title":1138},"blogPost-US-6aa81a59e4f3608f5cec03b8",{"slug":1135,"title":1136},"business-advice","Business Advice",{"_type":839,"alternativeText":1138,"height":1126,"url":1139,"width":1128},"Employer of Record (EOR): what it is, how it works, and when to use one","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F6147e455bb5e4c6ffda7d53c3569254e\u002Fbest-free-business-checking-accounts_cover.jpeg","An Employer of Record (EOR) lets you hire and pay talent abroad without a local entity. Learn how an EOR works, EOR vs PEO, and when to use one.","employer-of-record-explained",{"_id":1143,"category":1144,"coverImage":1145,"description":1148,"publishedAt":1130,"slug":1149,"title":1146},"blogPost-US-6aa81a68c2c53cbc3bb042b8",{"slug":1135,"title":1136},{"_type":839,"alternativeText":1146,"height":1126,"url":1147,"width":1128},"7 best Relay alternatives for US businesses in 2026","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F45a3793a2077cf974d93432a942211d6\u002Fbest-airwallex-alternatives-businesses-australia_cover.jpeg","Searching for a Relay alternative? Compare Aspire, Bluevine, and Mercury on interest rates, lending, cash deposits, and international payments.","best-relay-alternatives-business",{"_id":1151,"category":1152,"coverImage":1153,"description":1155,"publishedAt":1130,"slug":1156,"title":1154},"blogPost-US-6aa81a758628de3e92b2045b",{"slug":499,"title":500},{"_type":839,"alternativeText":1154,"height":1126,"url":1127,"width":1128},"Capital One business checking account review: Fees and requirements","Compare Capital One's Basic, Enhanced and Premier business checking accounts, including monthly fees, cash deposits and account-opening requirements.","capital-one-business",{"data":1158,"sourceMap":-1},{"_id":1159,"_updatedAt":1160,"alternates":1161,"areSourcesShown":119,"author":1163,"body":1171,"category":2382,"coverImage":2385,"excerpt":2388,"faq":2413,"intro":2414,"isFaqShown":602,"isSummaryShown":602,"isVideoShown":119,"publishedAt":2452,"reviewer":369,"seo":2453,"slug":2457,"sources":369,"title":2386,"video":369},"blogPost-US-69cd415ffacd5ca0b95c86ac","2026-09-24T08:42:29Z",[1162],{"canonicalUrl":369,"isNoIndex":369,"language":369,"market":67,"pathPrefix":369},{"avatar":1164,"bio":1168,"doesServePage":602,"linkedinUrl":369,"name":1165,"role":1169,"slug":1170,"twitterUrl":369},{"_type":839,"alternativeText":1165,"height":1166,"url":1167,"width":1166},"Content Team",200,"https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fimages\u002F86ff03aff2924bca230240f846d9cf9d\u002F64bf33dd57b2eb45b3869b97_Circle.png","Content team at Aspire is a society of seasoned writers & experts specialising in finance, technology and SaaS space. With 50+ years of collective experience, they help make business finance more profitable for readers. They write about finance tools, finance insights, industry trends, tactical guides to grow your business & also all things Aspire.","Aspire editorial","content-team",[1172,1182,1190,1198,1214,1230,1238,1254,1262,1278,1290,1298,1308,1316,1324,1332,1340,1348,1360,1368,1384,1392,1400,1408,1416,1424,1432,1440,1455,1467,1475,1483,1491,1499,1507,1515,1523,1531,1539,1563,1571,1579,1783,1798,1806,1814,1822,1830,1838,1846,1858,1870,1882,1894,1909,1917,1925,1933,1941,1949,1957,1965,1973,1981,1989,1997,2005,2027,2035,2043,2059,2075,2083,2099,2107,2115,2123,2131,2139,2147,2155,2163,2171,2193,2207,2215,2234,2260,2268,2276,2297,2305,2313,2321,2343,2351,2366,2374],{"_key":1173,"_type":143,"children":1174,"markDefs":1180,"style":1181},"k3",[1175],{"_key":1176,"_type":147,"marks":1177,"text":1179},"k2",[1178],"strong","The 2 ways every company spends money",[],"h2",{"_key":1183,"_type":143,"children":1184,"markDefs":1189,"style":164},"k7",[1185],{"_key":1186,"_type":147,"marks":1187,"text":1188},"k6",[],"Every company operates on two financial layers.",[],{"_key":1191,"_type":143,"children":1192,"markDefs":1197,"style":164},"k11",[1193],{"_key":1194,"_type":147,"marks":1195,"text":1196},"k10",[],"One supports what customers purchase. The other supports the organization delivering it.",[],{"_key":1199,"_type":143,"children":1200,"markDefs":1213,"style":164},"k19",[1201,1205,1209],{"_key":1202,"_type":147,"marks":1203,"text":1204},"k16",[],"In manufacturing and physical product businesses, ",{"_key":1206,"_type":147,"marks":1207,"text":1208},"k17",[1178],"direct material procurement",{"_key":1210,"_type":147,"marks":1211,"text":1212},"k18",[]," often represents the majority of spending because raw materials, components, and logistics are revenue-linked.",[],{"_key":1215,"_type":143,"children":1216,"markDefs":1229,"style":164},"k27",[1217,1221,1225],{"_key":1218,"_type":147,"marks":1219,"text":1220},"k24",[],"In SaaS and technology businesses, the pattern is different. The majority of spending is typically ",{"_key":1222,"_type":147,"marks":1223,"text":1224},"k25",[1178],"indirect procurement",{"_key":1226,"_type":147,"marks":1227,"text":1228},"k26",[],", such as covering engineering salaries, internal SaaS tools, marketing platforms, and operational systems.",[],{"_key":1231,"_type":143,"children":1232,"markDefs":1237,"style":164},"k31",[1233],{"_key":1234,"_type":147,"marks":1235,"text":1236},"k30",[],"Direct spend may include third-party APIs embedded in the product, usage-based services passed through to customers, or implementation services sold as part of the offering.",[],{"_key":1239,"_type":143,"children":1240,"markDefs":1253,"style":164},"k39",[1241,1245,1249],{"_key":1242,"_type":147,"marks":1243,"text":1244},"k36",[],"The classification depends on your revenue model. The control principle remains consistent across ",{"_key":1246,"_type":147,"marks":1247,"text":1248},"k37",[1178],"sourcing and procurement",{"_key":1250,"_type":147,"marks":1251,"text":1252},"k38",[]," teams.",[],{"_key":1255,"_type":143,"children":1256,"markDefs":1261,"style":1181},"k43",[1257],{"_key":1258,"_type":147,"marks":1259,"text":1260},"k42",[1178],"Where direct procurement affects margin",[],{"_key":1263,"_type":143,"children":1264,"markDefs":1277,"style":164},"k51",[1265,1269,1273],{"_key":1266,"_type":147,"marks":1267,"text":1268},"k48",[],"In the context of ",{"_key":1270,"_type":147,"marks":1271,"text":1272},"k49",[1178],"direct vs indirect procurement",{"_key":1274,"_type":147,"marks":1275,"text":1276},"k50",[],", direct procurement carries immediate financial exposure.",[],{"_key":1279,"_type":143,"children":1280,"markDefs":1289,"style":164},"k57",[1281,1285],{"_key":1282,"_type":147,"marks":1283,"text":1284},"k55",[1178],"Direct procurement",{"_key":1286,"_type":147,"marks":1287,"text":1288},"k56",[]," includes materials, components, and services embedded in what customers pay for. If a supplier stops delivering and revenue halts immediately, that spend is direct.",[],{"_key":1291,"_type":143,"children":1292,"markDefs":1297,"style":164},"k61",[1293],{"_key":1294,"_type":147,"marks":1295,"text":1296},"k60",[],"Examples include:",[],{"_key":1299,"_type":143,"children":1300,"level":1305,"listItem":1306,"markDefs":1307,"style":164},"k65",[1301],{"_key":1302,"_type":147,"marks":1303,"text":1304},"k64",[],"Raw materials and components",1,"bullet",[],{"_key":1309,"_type":143,"children":1310,"level":1305,"listItem":1306,"markDefs":1315,"style":164},"k69",[1311],{"_key":1312,"_type":147,"marks":1313,"text":1314},"k68",[],"Contract manufacturing",[],{"_key":1317,"_type":143,"children":1318,"level":1305,"listItem":1306,"markDefs":1323,"style":164},"k73",[1319],{"_key":1320,"_type":147,"marks":1321,"text":1322},"k72",[],"Embedded third-party APIs",[],{"_key":1325,"_type":143,"children":1326,"level":1305,"listItem":1306,"markDefs":1331,"style":164},"k77",[1327],{"_key":1328,"_type":147,"marks":1329,"text":1330},"k76",[],"Payment processing tied to transactions",[],{"_key":1333,"_type":143,"children":1334,"level":1305,"listItem":1306,"markDefs":1339,"style":164},"k81",[1335],{"_key":1336,"_type":147,"marks":1337,"text":1338},"k80",[],"Billable implementation services",[],{"_key":1341,"_type":143,"children":1342,"markDefs":1347,"style":164},"k85",[1343],{"_key":1344,"_type":147,"marks":1345,"text":1346},"k84",[],"These costs sit inside your unit economics. When supplier pricing changes, gross margin adjusts immediately unless your pricing absorbs the shift.",[],{"_key":1349,"_type":143,"children":1350,"markDefs":1359,"style":164},"k91",[1351,1355],{"_key":1352,"_type":147,"marks":1353,"text":1354},"k89",[1178],"Direct material procurement",{"_key":1356,"_type":147,"marks":1357,"text":1358},"k90",[]," also shapes working capital. Lead times, reorder policies, and payment terms determine how long cash remains tied to inventory before revenue materializes.",[],{"_key":1361,"_type":143,"children":1362,"markDefs":1367,"style":164},"k95",[1363],{"_key":1364,"_type":147,"marks":1365,"text":1366},"k94",[],"If lead times extend from 30 days to 75 days while demand remains stable, inventory rises before revenue catches up. Liquidity tightens even if top-line growth appears strong.",[],{"_key":1369,"_type":143,"children":1370,"markDefs":1383,"style":164},"k103",[1371,1375,1379],{"_key":1372,"_type":147,"marks":1373,"text":1374},"k100",[],"Supplier diversification, contract discipline, and structured ",{"_key":1376,"_type":147,"marks":1377,"text":1378},"k101",[1178],"direct material sourcing",{"_key":1380,"_type":147,"marks":1381,"text":1382},"k102",[]," reduce exposure.",[],{"_key":1385,"_type":143,"children":1386,"markDefs":1391,"style":164},"k107",[1387],{"_key":1388,"_type":147,"marks":1389,"text":1390},"k106",[],"Key direct procurement risks include:",[],{"_key":1393,"_type":143,"children":1394,"level":1305,"listItem":1306,"markDefs":1399,"style":164},"k111",[1395],{"_key":1396,"_type":147,"marks":1397,"text":1398},"k110",[],"Supplier concentration",[],{"_key":1401,"_type":143,"children":1402,"level":1305,"listItem":1306,"markDefs":1407,"style":164},"k115",[1403],{"_key":1404,"_type":147,"marks":1405,"text":1406},"k114",[],"Commodity price volatility",[],{"_key":1409,"_type":143,"children":1410,"level":1305,"listItem":1306,"markDefs":1415,"style":164},"k119",[1411],{"_key":1412,"_type":147,"marks":1413,"text":1414},"k118",[],"Contract rigidity",[],{"_key":1417,"_type":143,"children":1418,"level":1305,"listItem":1306,"markDefs":1423,"style":164},"k123",[1419],{"_key":1420,"_type":147,"marks":1421,"text":1422},"k122",[],"Regulatory or tariff changes",[],{"_key":1425,"_type":143,"children":1426,"markDefs":1431,"style":164},"k127",[1427],{"_key":1428,"_type":147,"marks":1429,"text":1430},"k126",[],"When direct procurement weakens, margin compresses quickly and visibly.",[],{"_key":1433,"_type":143,"children":1434,"markDefs":1439,"style":1181},"k131",[1435],{"_key":1436,"_type":147,"marks":1437,"text":1438},"k130",[1178],"Where indirect procurement affects burn",[],{"_key":1441,"_type":143,"children":1442,"markDefs":1454,"style":164},"k139",[1443,1447,1450],{"_key":1444,"_type":147,"marks":1445,"text":1446},"k136",[],"In ",{"_key":1448,"_type":147,"marks":1449,"text":1272},"k137",[1178],{"_key":1451,"_type":147,"marks":1452,"text":1453},"k138",[],", indirect procurement creates slower but broader exposure.",[],{"_key":1456,"_type":143,"children":1457,"markDefs":1466,"style":164},"k145",[1458,1462],{"_key":1459,"_type":147,"marks":1460,"text":1461},"k143",[1178],"Indirect procurement",{"_key":1463,"_type":147,"marks":1464,"text":1465},"k144",[]," includes internal SaaS platforms, marketing tools, IT hardware, facilities services, recruiting support, and professional advisors. These costs do not appear in customer contracts, but they shape operating leverage.",[],{"_key":1468,"_type":143,"children":1469,"markDefs":1474,"style":164},"k149",[1470],{"_key":1471,"_type":147,"marks":1472,"text":1473},"k148",[],"No single subscription feels material. Risk accumulates when dozens of commitments compound across departments without centralized oversight.",[],{"_key":1476,"_type":143,"children":1477,"markDefs":1482,"style":164},"k153",[1478],{"_key":1479,"_type":147,"marks":1480,"text":1481},"k152",[],"You have likely seen situations like",[],{"_key":1484,"_type":143,"children":1485,"level":1305,"listItem":1306,"markDefs":1490,"style":164},"k157",[1486],{"_key":1487,"_type":147,"marks":1488,"text":1489},"k156",[],"A vendor auto-renews at a higher rate",[],{"_key":1492,"_type":143,"children":1493,"level":1305,"listItem":1306,"markDefs":1498,"style":164},"k161",[1494],{"_key":1495,"_type":147,"marks":1496,"text":1497},"k160",[],"Two teams pay for overlapping software",[],{"_key":1500,"_type":143,"children":1501,"level":1305,"listItem":1306,"markDefs":1506,"style":164},"k165",[1502],{"_key":1503,"_type":147,"marks":1504,"text":1505},"k164",[],"An invoice is approved twice through email",[],{"_key":1508,"_type":143,"children":1509,"level":1305,"listItem":1306,"markDefs":1514,"style":164},"k169",[1510],{"_key":1511,"_type":147,"marks":1512,"text":1513},"k168",[],"A missing W-9 delays contractor reporting",[],{"_key":1516,"_type":143,"children":1517,"markDefs":1522,"style":164},"k173",[1518],{"_key":1519,"_type":147,"marks":1520,"text":1521},"k172",[],"Individually minor. Collectively destabilizing.",[],{"_key":1524,"_type":143,"children":1525,"markDefs":1530,"style":164},"k177",[1526],{"_key":1527,"_type":147,"marks":1528,"text":1529},"k176",[],"Indirect procurement rarely compresses gross margin. Instead, it distorts burn predictability and planning accuracy.",[],{"_key":1532,"_type":143,"children":1533,"markDefs":1538,"style":164},"k181",[1534],{"_key":1535,"_type":147,"marks":1536,"text":1537},"k180",[],"Where direct procurement creates sharp margin pressure, indirect procurement creates quiet budget drift.",[],{"_key":1540,"_type":143,"children":1541,"markDefs":1562,"style":164},"k193",[1542,1546,1550,1554,1558],{"_key":1543,"_type":147,"marks":1544,"text":1545},"k188",[],"This is where structured ",{"_key":1547,"_type":147,"marks":1548,"text":1549},"k189",[1178],"spend analysis tools",{"_key":1551,"_type":147,"marks":1552,"text":1553},"k190",[]," become essential. Without spend analysis tools embedded inside the broader ",{"_key":1555,"_type":147,"marks":1556,"text":1557},"k191",[1178],"procurement process",{"_key":1559,"_type":147,"marks":1560,"text":1561},"k192",[],", duplicate vendors and renewal risk remain invisible.",[],{"_key":1564,"_type":143,"children":1565,"markDefs":1570,"style":1181},"k197",[1566],{"_key":1567,"_type":147,"marks":1568,"text":1569},"k196",[1178],"Direct vs indirect procurement: key differences",[],{"_key":1572,"_type":143,"children":1573,"markDefs":1578,"style":164},"k201",[1574],{"_key":1575,"_type":147,"marks":1576,"text":1577},"k200",[],"The easiest way to understand the difference is to look at where each category creates financial exposure.",[],{"_key":1580,"_type":1581,"columnHeaders":1582,"hasColumnTitles":602,"hasRowTitles":119,"rows":1591},"k202","richTableBlock",[1583,1588,1589],{"_key":1584,"_type":1585,"cellIndex":1586,"title":1587},"k1","columnHeader",0,"Dimension",{"_key":1176,"_type":1585,"cellIndex":1305,"title":1284},{"_key":1173,"_type":1585,"cellIndex":1590,"title":1461},2,[1592,1625,1657,1687,1721,1752],{"_key":1593,"_type":1594,"cells":1595},"k4","row",[1596,1607,1616],{"_key":1597,"_type":1598,"content":1599},"k5","richTableCell",[1600],{"_key":1601,"_type":143,"children":1602,"markDefs":1606,"style":164},"k66",[1603],{"_key":1299,"_type":147,"marks":1604,"text":1605},[],"Financial impact",[],{"_key":1608,"_type":1598,"content":1609},"k8",[1610],{"_key":1309,"_type":143,"children":1611,"markDefs":1615,"style":164},[1612],{"_key":1312,"_type":147,"marks":1613,"text":1614},[],"COGS, gross margin",[],{"_key":1191,"_type":1598,"content":1617},[1618],{"_key":1320,"_type":143,"children":1619,"markDefs":1624,"style":164},[1620],{"_key":1621,"_type":147,"marks":1622,"text":1623},"k71",[],"OpEx, operating margin",[],{"_key":1626,"_type":1594,"cells":1627},"k14",[1628,1639,1648],{"_key":1629,"_type":1598,"content":1630},"k15",[1631],{"_key":1632,"_type":143,"children":1633,"markDefs":1638,"style":164},"k75",[1634],{"_key":1635,"_type":147,"marks":1636,"text":1637},"k74",[],"Revenue linkage",[],{"_key":1210,"_type":1598,"content":1640},[1641],{"_key":1642,"_type":143,"children":1643,"markDefs":1647,"style":164},"k78",[1644],{"_key":1325,"_type":147,"marks":1645,"text":1646},[],"Embedded in what you sell",[],{"_key":1649,"_type":1598,"content":1650},"k21",[1651],{"_key":1333,"_type":143,"children":1652,"markDefs":1656,"style":164},[1653],{"_key":1336,"_type":147,"marks":1654,"text":1655},[],"Supports internal operations",[],{"_key":1218,"_type":1594,"cells":1658},[1659,1668,1679],{"_key":1222,"_type":1598,"content":1660},[1661],{"_key":1344,"_type":143,"children":1662,"markDefs":1667,"style":164},[1663],{"_key":1664,"_type":147,"marks":1665,"text":1666},"k83",[],"Primary exposure",[],{"_key":1669,"_type":1598,"content":1670},"k28",[1671],{"_key":1672,"_type":143,"children":1673,"markDefs":1678,"style":164},"k87",[1674],{"_key":1675,"_type":147,"marks":1676,"text":1677},"k86",[],"Margin compression, supply disruption",[],{"_key":1231,"_type":1598,"content":1680},[1681],{"_key":1356,"_type":143,"children":1682,"markDefs":1686,"style":164},[1683],{"_key":1352,"_type":147,"marks":1684,"text":1685},[],"Budget drift, duplication",[],{"_key":1688,"_type":1594,"cells":1689},"k34",[1690,1701,1710],{"_key":1691,"_type":1598,"content":1692},"k35",[1693],{"_key":1694,"_type":143,"children":1695,"markDefs":1700,"style":164},"k93",[1696],{"_key":1697,"_type":147,"marks":1698,"text":1699},"k92",[],"Supplier relationships",[],{"_key":1250,"_type":1598,"content":1702},[1703],{"_key":1704,"_type":143,"children":1705,"markDefs":1709,"style":164},"k96",[1706],{"_key":1361,"_type":147,"marks":1707,"text":1708},[],"Fewer, strategic, deeply integrated",[],{"_key":1711,"_type":1598,"content":1712},"k41",[1713],{"_key":1714,"_type":143,"children":1715,"markDefs":1720,"style":164},"k99",[1716],{"_key":1717,"_type":147,"marks":1718,"text":1719},"k98",[],"Many, distributed across teams",[],{"_key":1722,"_type":1594,"cells":1723},"k44",[1724,1733,1743],{"_key":1725,"_type":1598,"content":1726},"k45",[1727],{"_key":1380,"_type":143,"children":1728,"markDefs":1732,"style":164},[1729],{"_key":1376,"_type":147,"marks":1730,"text":1731},[],"Forecast linkage",[],{"_key":1266,"_type":1598,"content":1734},[1735],{"_key":1736,"_type":143,"children":1737,"markDefs":1742,"style":164},"k105",[1738],{"_key":1739,"_type":147,"marks":1740,"text":1741},"k104",[],"Revenue and demand planning",[],{"_key":1263,"_type":1598,"content":1744},[1745],{"_key":1746,"_type":143,"children":1747,"markDefs":1751,"style":164},"k108",[1748],{"_key":1385,"_type":147,"marks":1749,"text":1750},[],"Departmental budgets",[],{"_key":1753,"_type":1594,"cells":1754},"k54",[1755,1763,1773],{"_key":1282,"_type":1598,"content":1756},[1757],{"_key":1393,"_type":143,"children":1758,"markDefs":1762,"style":164},[1759],{"_key":1396,"_type":147,"marks":1760,"text":1761},[],"Inventory impact",[],{"_key":1764,"_type":1598,"content":1765},"k58",[1766],{"_key":1404,"_type":143,"children":1767,"markDefs":1772,"style":164},[1768],{"_key":1769,"_type":147,"marks":1770,"text":1771},"k113",[],"High",[],{"_key":1291,"_type":1598,"content":1774},[1775],{"_key":1776,"_type":143,"children":1777,"markDefs":1782,"style":164},"k117",[1778],{"_key":1779,"_type":147,"marks":1780,"text":1781},"k116",[],"Minimal",[],{"_key":1784,"_type":143,"children":1785,"markDefs":1797,"style":164},"k210",[1786,1790,1793],{"_key":1787,"_type":147,"marks":1788,"text":1789},"k207",[],"Understanding ",{"_key":1791,"_type":147,"marks":1792,"text":1272},"k208",[1178],{"_key":1794,"_type":147,"marks":1795,"text":1796},"k209",[]," clarifies where financial discipline must tighten first.",[],{"_key":1799,"_type":143,"children":1800,"markDefs":1805,"style":164},"k214",[1801],{"_key":1802,"_type":147,"marks":1803,"text":1804},"k213",[],"In simple terms, direct procurement protects revenue and margin, while indirect procurement protects operational efficiency and cost discipline.",[],{"_key":1807,"_type":143,"children":1808,"markDefs":1813,"style":164},"k218",[1809],{"_key":1810,"_type":147,"marks":1811,"text":1812},"k217",[],"Direct procurement threatens revenue continuity. Indirect procurement threatens operating predictability.",[],{"_key":1815,"_type":143,"children":1816,"markDefs":1821,"style":1181},"k222",[1817],{"_key":1818,"_type":147,"marks":1819,"text":1820},"k221",[1178],"Common risks founders overlook",[],{"_key":1823,"_type":143,"children":1824,"markDefs":1829,"style":164},"k226",[1825],{"_key":1826,"_type":147,"marks":1827,"text":1828},"k225",[],"Procurement breakdowns rarely start in negotiation. They start in timing. Commitments often happen before financial visibility exists, and finance discovers the exposure only after contracts are signed or renewals auto-execute.",[],{"_key":1831,"_type":143,"children":1832,"markDefs":1837,"style":164},"k230",[1833],{"_key":1834,"_type":147,"marks":1835,"text":1836},"k229",[],"This gap grows as companies scale. Procurement decisions happen inside departments, while financial oversight happens centrally.",[],{"_key":1839,"_type":143,"children":1840,"markDefs":1845,"style":164},"k234",[1841],{"_key":1842,"_type":147,"marks":1843,"text":1844},"k233",[],"Common risks that emerge include:",[],{"_key":1847,"_type":143,"children":1848,"level":1305,"listItem":1306,"markDefs":1857,"style":164},"k240",[1849,1853],{"_key":1850,"_type":147,"marks":1851,"text":1852},"k238",[1178],"Inventory exposure in direct procurement:",{"_key":1854,"_type":147,"marks":1855,"text":1856},"k239",[]," When demand forecasts are inaccurate or suppliers deliver earlier than needed, inventory accumulates before revenue materializes. Cash remains tied to stock longer than expected, tightening liquidity.",[],{"_key":1859,"_type":143,"children":1860,"level":1305,"listItem":1306,"markDefs":1869,"style":164},"k246",[1861,1865],{"_key":1862,"_type":147,"marks":1863,"text":1864},"k244",[1178],"Hidden renewal risk in indirect procurement:",{"_key":1866,"_type":147,"marks":1867,"text":1868},"k245",[]," SaaS tools and vendor contracts often renew automatically. Without centralized review before renewal dates, companies continue paying for services that may no longer support current operations.",[],{"_key":1871,"_type":143,"children":1872,"level":1305,"listItem":1306,"markDefs":1881,"style":164},"k252",[1873,1877],{"_key":1874,"_type":147,"marks":1875,"text":1876},"k250",[1178],"Vendor duplication across teams:",{"_key":1878,"_type":147,"marks":1879,"text":1880},"k251",[]," Different departments purchase similar tools or services independently, increasing spend without visibility.",[],{"_key":1883,"_type":143,"children":1884,"level":1305,"listItem":1306,"markDefs":1893,"style":164},"k258",[1885,1889],{"_key":1886,"_type":147,"marks":1887,"text":1888},"k256",[1178],"Late financial visibility:",{"_key":1890,"_type":147,"marks":1891,"text":1892},"k257",[]," Finance sees the impact only after commitments are signed, making course correction slower.",[],{"_key":1895,"_type":143,"children":1896,"markDefs":1908,"style":164},"k266",[1897,1901,1904],{"_key":1898,"_type":147,"marks":1899,"text":1900},"k263",[],"The problem is rarely reckless spending. The real issue is fragmented visibility inside the ",{"_key":1902,"_type":147,"marks":1903,"text":1557},"k264",[1178],{"_key":1905,"_type":147,"marks":1906,"text":1907},"k265",[],", where commitments occur before centralized oversight.",[],{"_key":1910,"_type":143,"children":1911,"markDefs":1916,"style":1181},"k270",[1912],{"_key":1913,"_type":147,"marks":1914,"text":1915},"k269",[1178],"Practical controls that reduce uncertainty",[],{"_key":1918,"_type":143,"children":1919,"markDefs":1924,"style":164},"k274",[1920],{"_key":1921,"_type":147,"marks":1922,"text":1923},"k273",[],"Procurement discipline does not require bureaucracy. It requires clarity at the point of commitment.",[],{"_key":1926,"_type":143,"children":1927,"markDefs":1932,"style":164},"k278",[1928],{"_key":1929,"_type":147,"marks":1930,"text":1931},"k277",[],"For direct procurement, prioritize:",[],{"_key":1934,"_type":143,"children":1935,"level":1305,"listItem":1306,"markDefs":1940,"style":164},"k282",[1936],{"_key":1937,"_type":147,"marks":1938,"text":1939},"k281",[],"Aligning volume commitments with realistic demand",[],{"_key":1942,"_type":143,"children":1943,"level":1305,"listItem":1306,"markDefs":1948,"style":164},"k286",[1944],{"_key":1945,"_type":147,"marks":1946,"text":1947},"k285",[],"Reviewing supplier concentration exposure",[],{"_key":1950,"_type":143,"children":1951,"level":1305,"listItem":1306,"markDefs":1956,"style":164},"k290",[1952],{"_key":1953,"_type":147,"marks":1954,"text":1955},"k289",[],"Testing margin sensitivity to input cost shifts",[],{"_key":1958,"_type":143,"children":1959,"level":1305,"listItem":1306,"markDefs":1964,"style":164},"k294",[1960],{"_key":1961,"_type":147,"marks":1962,"text":1963},"k293",[],"Diversifying where disruption risk justifies it",[],{"_key":1966,"_type":143,"children":1967,"markDefs":1972,"style":164},"k298",[1968],{"_key":1969,"_type":147,"marks":1970,"text":1971},"k297",[],"For indirect procurement, prioritize:",[],{"_key":1974,"_type":143,"children":1975,"level":1305,"listItem":1306,"markDefs":1980,"style":164},"k302",[1976],{"_key":1977,"_type":147,"marks":1978,"text":1979},"k301",[],"Centralizing non-payroll intake",[],{"_key":1982,"_type":143,"children":1983,"level":1305,"listItem":1306,"markDefs":1988,"style":164},"k306",[1984],{"_key":1985,"_type":147,"marks":1986,"text":1987},"k305",[],"Implementing role-based approval thresholds",[],{"_key":1990,"_type":143,"children":1991,"level":1305,"listItem":1306,"markDefs":1996,"style":164},"k310",[1992],{"_key":1993,"_type":147,"marks":1994,"text":1995},"k309",[],"Reviewing renewals before auto-execution",[],{"_key":1998,"_type":143,"children":1999,"level":1305,"listItem":1306,"markDefs":2004,"style":164},"k314",[2000],{"_key":2001,"_type":147,"marks":2002,"text":2003},"k313",[],"Standardizing vendor onboarding, including W-9 and compliance checks",[],{"_key":2006,"_type":143,"children":2007,"markDefs":2026,"style":164},"k326",[2008,2012,2015,2019,2022],{"_key":2009,"_type":147,"marks":2010,"text":2011},"k321",[],"Across both categories, integrating ",{"_key":2013,"_type":147,"marks":2014,"text":1549},"k322",[1178],{"_key":2016,"_type":147,"marks":2017,"text":2018},"k323",[]," and tightening ",{"_key":2020,"_type":147,"marks":2021,"text":1248},"k324",[1178],{"_key":2023,"_type":147,"marks":2024,"text":2025},"k325",[]," workflows creates earlier visibility.",[],{"_key":2028,"_type":143,"children":2029,"markDefs":2034,"style":1181},"k330",[2030],{"_key":2031,"_type":147,"marks":2032,"text":2033},"k329",[1178],"Procurement pressure increases across borders",[],{"_key":2036,"_type":143,"children":2037,"markDefs":2042,"style":164},"k334",[2038],{"_key":2039,"_type":147,"marks":2040,"text":2041},"k333",[],"Complexity expands when vendors span jurisdictions. Paying a US contractor requires proper W-9 collection and accurate 1099 reporting. Paying overseas vendors introduces currency exposure, bank validation risk, and additional compliance layers.",[],{"_key":2044,"_type":143,"children":2045,"markDefs":2058,"style":164},"k342",[2046,2050,2054],{"_key":2047,"_type":147,"marks":2048,"text":2049},"k339",[],"What appears straightforward in one market becomes multi-step when currencies, tax regimes, and regulatory standards differ. As vendor volume grows, coordination across onboarding, payment routing, and reporting becomes harder to manage manually. A fragmented ",{"_key":2051,"_type":147,"marks":2052,"text":2053},"k340",[1178],"procure to pay",{"_key":2055,"_type":147,"marks":2056,"text":2057},"k341",[]," structure increases risk.",[],{"_key":2060,"_type":143,"children":2061,"markDefs":2074,"style":164},"k350",[2062,2066,2070],{"_key":2063,"_type":147,"marks":2064,"text":2065},"k347",[],"Understanding the full ",{"_key":2067,"_type":147,"marks":2068,"text":2069},"k348",[1178],"procure to pay meaning ",{"_key":2071,"_type":147,"marks":2072,"text":2073},"k349",[],"— from intake to payment authorization — becomes critical during audits and investor diligence.",[],{"_key":2076,"_type":143,"children":2077,"markDefs":2082,"style":164},"k354",[2078],{"_key":2079,"_type":147,"marks":2080,"text":2081},"k353",[],"During fundraising or acquisition diligence, investors examine vendor concentration, contract exposure, recurring commitments, and compliance posture alongside revenue performance.",[],{"_key":2084,"_type":143,"children":2085,"markDefs":2098,"style":164},"k362",[2086,2090,2094],{"_key":2087,"_type":147,"marks":2088,"text":2089},"k359",[],"If agreements are scattered and ",{"_key":2091,"_type":147,"marks":2092,"text":2093},"k360",[1178],"supplier onboarding",{"_key":2095,"_type":147,"marks":2096,"text":2097},"k361",[]," lacks documentation discipline, weaknesses surface quickly.",[],{"_key":2100,"_type":143,"children":2101,"markDefs":2106,"style":1181},"k366",[2102],{"_key":2103,"_type":147,"marks":2104,"text":2105},"k365",[1178],"Why fragmented systems weaken procurement control",[],{"_key":2108,"_type":143,"children":2109,"markDefs":2114,"style":164},"k370",[2110],{"_key":2111,"_type":147,"marks":2112,"text":2113},"k369",[],"Most companies manage procurement across separate systems.",[],{"_key":2116,"_type":143,"children":2117,"level":1305,"listItem":1306,"markDefs":2122,"style":164},"k374",[2118],{"_key":2119,"_type":147,"marks":2120,"text":2121},"k373",[],"Accounting records transactions after they occur",[],{"_key":2124,"_type":143,"children":2125,"level":1305,"listItem":1306,"markDefs":2130,"style":164},"k378",[2126],{"_key":2127,"_type":147,"marks":2128,"text":2129},"k377",[],"Bank accounts move funds",[],{"_key":2132,"_type":143,"children":2133,"level":1305,"listItem":1306,"markDefs":2138,"style":164},"k382",[2134],{"_key":2135,"_type":147,"marks":2136,"text":2137},"k381",[],"Corporate cards track spending",[],{"_key":2140,"_type":143,"children":2141,"level":1305,"listItem":1306,"markDefs":2146,"style":164},"k386",[2142],{"_key":2143,"_type":147,"marks":2144,"text":2145},"k385",[],"Contracts sit in shared drives",[],{"_key":2148,"_type":143,"children":2149,"level":1305,"listItem":1306,"markDefs":2154,"style":164},"k390",[2150],{"_key":2151,"_type":147,"marks":2152,"text":2153},"k389",[],"Vendor onboarding lives in email threads",[],{"_key":2156,"_type":143,"children":2157,"markDefs":2162,"style":164},"k394",[2158],{"_key":2159,"_type":147,"marks":2160,"text":2161},"k393",[],"Each system works individually. The gap appears between them.",[],{"_key":2164,"_type":143,"children":2165,"markDefs":2170,"style":164},"k398",[2166],{"_key":2167,"_type":147,"marks":2168,"text":2169},"k397",[],"Forward commitments rarely surface inside disconnected tools. Vendor verification does not automatically align with payment authorization. Multi-currency payments introduce additional complexity when vendors span jurisdictions.",[],{"_key":2172,"_type":143,"children":2173,"markDefs":2192,"style":164},"k410",[2174,2178,2181,2185,2188],{"_key":2175,"_type":147,"marks":2176,"text":2177},"k405",[],"Without a connected ",{"_key":2179,"_type":147,"marks":2180,"text":1557},"k406",[1178],{"_key":2182,"_type":147,"marks":2183,"text":2184},"k407",[]," and structured ",{"_key":2186,"_type":147,"marks":2187,"text":2053},"k408",[1178],{"_key":2189,"_type":147,"marks":2190,"text":2191},"k409",[]," environment, both direct procurement and indirect procurement become reactive instead of preventative.",[],{"_key":2194,"_type":143,"children":2195,"markDefs":2206,"style":164},"k418",[2196,2199,2202],{"_key":2197,"_type":147,"marks":2198,"text":1446},"k415",[],{"_key":2200,"_type":147,"marks":2201,"text":1272},"k416",[1178],{"_key":2203,"_type":147,"marks":2204,"text":2205},"k417",[],", the difference in category matters less than the timing of control.",[],{"_key":2208,"_type":143,"children":2209,"markDefs":2214,"style":1181},"k422",[2210],{"_key":2211,"_type":147,"marks":2212,"text":2213},"k421",[1178],"Aspire — closing the gap between commitment and cash",[],{"_key":2216,"_type":143,"children":2217,"markDefs":2231,"style":164},"k431",[2218,2222,2227],{"_key":2219,"_type":147,"marks":2220,"text":2221},"k428",[],"When procurement, payments, and ",{"_key":2223,"_type":147,"marks":2224,"text":2226},"k429",[2225],"k424","vendor management ",{"_key":2228,"_type":147,"marks":2229,"text":2230},"k430",[],"operate in separate environments, control fragments. The problem compounds when operations span the US and global markets simultaneously.",[2232],{"_key":2225,"_type":161,"externalUrl":2233,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus\u002Fblog\u002Faccounts-payable-vendor-management",{"_key":2235,"_type":143,"children":2236,"markDefs":2257,"style":164},"k444",[2237,2241,2246,2250,2253],{"_key":2238,"_type":147,"marks":2239,"text":480},"k439",[2240,1178],"k432",{"_key":2242,"_type":147,"marks":2243,"text":2245},"k440",[2244],"sup","1",{"_key":2247,"_type":147,"marks":2248,"text":2249},"k441",[]," connects accounts, payments, spend oversight, and vendor controls inside one financial infrastructure layer. Instead of managing onboarding, approval, FX handling, and reporting across disconnected systems, Aspire unifies them inside a structured ",{"_key":2251,"_type":147,"marks":2252,"text":778},"k442",[1178],{"_key":2254,"_type":147,"marks":2255,"text":2256},"k443",[]," environment built for companies operating at scale.",[2258],{"_key":2240,"_type":161,"externalUrl":2259,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus",{"_key":2261,"_type":143,"children":2262,"markDefs":2267,"style":164},"k448",[2263],{"_key":2264,"_type":147,"marks":2265,"text":2266},"k447",[],"Key operational controls include:",[],{"_key":2269,"_type":143,"children":2270,"level":1305,"listItem":1306,"markDefs":2275,"style":164},"k452",[2271],{"_key":2272,"_type":147,"marks":2273,"text":2274},"k451",[],"Multi-currency* payments executed with oversight",[],{"_key":2277,"_type":143,"children":2278,"markDefs":2295,"style":164},"k463",[2279,2283,2288,2291],{"_key":2280,"_type":147,"marks":2281,"text":2282},"k459",[],"With upcoming P2P capabilities on Spend,",{"_key":2284,"_type":147,"marks":2285,"text":2287},"k460",[2286],"k454"," Aspire",{"_key":2289,"_type":147,"marks":2290,"text":2245},"k461",[2244],{"_key":2292,"_type":147,"marks":2293,"text":2294},"k462",[]," will further enable:",[2296],{"_key":2286,"_type":161,"externalUrl":2259,"linkType":163},{"_key":2298,"_type":143,"children":2299,"level":1305,"listItem":1306,"markDefs":2304,"style":164},"k467",[2300],{"_key":2301,"_type":147,"marks":2302,"text":2303},"k466",[],"Vendor verification linked to payment authorization",[],{"_key":2306,"_type":143,"children":2307,"level":1305,"listItem":1306,"markDefs":2312,"style":164},"k471",[2308],{"_key":2309,"_type":147,"marks":2310,"text":2311},"k470",[],"Supplier onboarding integrated with payment workflows",[],{"_key":2314,"_type":143,"children":2315,"level":1305,"listItem":1306,"markDefs":2320,"style":164},"k475",[2316],{"_key":2317,"_type":147,"marks":2318,"text":2319},"k474",[],"Forward commitments visible before funds move",[],{"_key":2322,"_type":143,"children":2323,"markDefs":2342,"style":164},"k487",[2324,2328,2332,2335,2338],{"_key":2325,"_type":147,"marks":2326,"text":2327},"k482",[],"Aspire does not replace procurement strategy. It strengthens the financial infrastructure supporting both ",{"_key":2329,"_type":147,"marks":2330,"text":2331},"k483",[1178],"direct procurement",{"_key":2333,"_type":147,"marks":2334,"text":203},"k484",[],{"_key":2336,"_type":147,"marks":2337,"text":1224},"k485",[1178],{"_key":2339,"_type":147,"marks":2340,"text":2341},"k486",[]," — across global operations and throughout US market expansion.",[],{"_key":2344,"_type":143,"children":2345,"markDefs":2350,"style":1181},"k491",[2346],{"_key":2347,"_type":147,"marks":2348,"text":2349},"k490",[1178],"Final perspective",[],{"_key":2352,"_type":143,"children":2353,"markDefs":2365,"style":164},"k499",[2354,2358,2361],{"_key":2355,"_type":147,"marks":2356,"text":2357},"k496",[],"The distinction between ",{"_key":2359,"_type":147,"marks":2360,"text":1272},"k497",[1178],{"_key":2362,"_type":147,"marks":2363,"text":2364},"k498",[]," defines where financial risk concentrates. Direct procurement protects revenue mechanics and gross margin. Indirect procurement protects operating discipline and forecast reliability.",[],{"_key":2367,"_type":143,"children":2368,"markDefs":2373,"style":164},"k503",[2369],{"_key":2370,"_type":147,"marks":2371,"text":2372},"k502",[],"Companies rarely struggle because of one large purchase. They struggle when commitments outpace visibility. When intake, approval, onboarding, and payment operate within one connected structure, scaling becomes deliberate rather than reactive.",[],{"_key":2375,"_type":143,"children":2376,"markDefs":2381,"style":164},"k507",[2377],{"_key":2378,"_type":147,"marks":2379,"text":2380},"k506",[],"That clarity supports stronger planning, smoother diligence, and confident growth in the US market.",[],{"slug":2383,"title":2384},"running-a-business","Running a Business",{"_type":839,"alternativeText":2386,"height":1126,"url":2387,"width":1128},"Direct vs indirect procurement explained","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F6ecdc4741bcdd1674f18a6f241cbcdce\u002Fshared_cover_6ecdc474.webp",[2389,2395,2401,2407],{"_key":1176,"_type":143,"children":2390,"level":1305,"listItem":1306,"markDefs":2394,"style":164},[2391],{"_key":1584,"_type":147,"marks":2392,"text":2393},[],"Direct procurement includes goods and services embedded in what you sell. It flows into COGS and directly affects gross margin. In many industries, direct material procurement represents the largest controlled cost layer.",[],{"_key":1597,"_type":143,"children":2396,"level":1305,"listItem":1306,"markDefs":2400,"style":164},[2397],{"_key":1593,"_type":147,"marks":2398,"text":2399},[],"Indirect procurement includes goods and services your company consumes internally. It flows into OpEx and shapes burn discipline, operating leverage, and forecast reliability.",[],{"_key":1608,"_type":143,"children":2402,"level":1305,"listItem":1306,"markDefs":2406,"style":164},[2403],{"_key":1183,"_type":147,"marks":2404,"text":2405},[],"In manufacturing businesses, direct material procurement often represents 50–90% of total spend. In SaaS and service companies, indirect vendor commitments typically dominate controllable non-payroll expenses.",[],{"_key":1191,"_type":143,"children":2408,"level":1305,"listItem":1306,"markDefs":2412,"style":164},[2409],{"_key":1194,"_type":147,"marks":2410,"text":2411},[],"The real risk is not individual purchases. The risk is committing to costs before visibility exists. Structured procure to pay controls reduce volatility before it surfaces in financial reports.",[],{"heading":14,"items":369},[2415,2421,2427,2433,2439,2446],{"_key":1176,"_type":143,"children":2416,"markDefs":2420,"style":164},[2417],{"_key":1584,"_type":147,"marks":2418,"text":2419},[],"The distinction between direct vs indirect procurement is operational.",[],{"_key":1597,"_type":143,"children":2422,"markDefs":2426,"style":164},[2423],{"_key":1593,"_type":147,"marks":2424,"text":2425},[],"Early on, you approve most purchases yourself. You know every vendor and understand why each dollar leaves the company. As headcount grows, teams sign contracts independently, complete supplier onboarding, and adopt tools without centralized coordination. Finance sees the impact later during close.",[],{"_key":1608,"_type":143,"children":2428,"markDefs":2432,"style":164},[2429],{"_key":1183,"_type":147,"marks":2430,"text":2431},[],"Every dollar leaving your company supports either revenue delivery or internal operations.",[],{"_key":1191,"_type":143,"children":2434,"markDefs":2438,"style":164},[2435],{"_key":1194,"_type":147,"marks":2436,"text":2437},[],"Direct procurement sits inside revenue mechanics.",[],{"_key":1626,"_type":143,"children":2440,"markDefs":2445,"style":164},[2441],{"_key":2442,"_type":147,"marks":2443,"text":2444},"k13",[],"Indirect procurement supports the organization around it.",[],{"_key":1206,"_type":143,"children":2447,"markDefs":2451,"style":164},[2448],{"_key":1202,"_type":147,"marks":2449,"text":2450},[],"The spending mix changes by industry. The governance requirement does not.",[],"2026-05-22T00:47:09.368Z",{"_type":122,"metaDescription":2454,"metaTitle":2455,"socialShareImageUrl":2456},"Understand direct vs indirect procurement, how each impacts margin and burn, & how modern companies control spend before commitments drive financial volatility","Direct vs indirect procurement: how to manage business spend",{"_type":839,"alternativeText":2386,"height":1126,"url":2387,"width":1128},"direct-vs-indirect-procurement",1790850625943]