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Business Advice

The ins and outs of running a business. Real, tactical guides. No fluff.
Business Advice
May 14, 2026

Assets vs liabilities: what they mean for business owners

Understand assets vs liabilities with examples, key ratios, and balance sheet insights. Learn how they impact cash flow and financial health.
Business Advice
May 14, 2026
EBIT vs EBITDA: Meaning, differences, and when each metric matters
Business Advice
May 6, 2026
SWIFT banking system: everything US businesses need to know about cross-border payments
Business Advice
May 6, 2026
Payment tokenization: how it works and why it matters for your business
Business Advice
May 6, 2026
What is FDIC insurance for business? Coverage, limits, and how it protects your business bank deposits
Business Advice
May 6, 2026
Net 30 accounts: What they are & how businesses use them
Business Advice
May 5, 2026
Business fixed costs: Definition, examples & formula
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May 5, 2026
Liabilities vs expenses: key differences that impact your business
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April 30, 2026
How to find my EIN number: A founder's guide
Business Advice
April 15, 2026
Business credit cards with no personal guarantee (2026)
Business Advice
April 15, 2026
Zelle vs Venmo: Which is better for business payments?
Business Advice
March 30, 2026
Best podcasts for entrepreneurs to listen to in 2026
Business Advice
March 18, 2026
Stripe vs Shopify Payments: Key Differences for Founders
Business Advice
March 13, 2026
Brex vs Mercury: Which financial platform is right for your startup?
Business Advice
March 13, 2026
Business Credit Card vs Personal Card: Which One Fits Your Business?
Business Advice
February 26, 2026
Ramp vs Brex: Which corporate card platform is right for your startup?
Business Advice
February 26, 2026
Mercury vs Novo: Choosing between long-term scaling and faster payments
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February 26, 2026
Mercury vs Ramp: Choosing the right finance platform as you scale
Business Advice
February 26, 2026
Revolut vs Wise: Which Is Best for Your US Business?

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  1. AFT US LLC, d/b/a 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 3.70% annually on invested cash. Net yield numbers are as of Apr 1, 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 / 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.

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*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.

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