Note: The Aspire Advance Limit feature is not yet available for businesses incorporated in Hong Kong.
Aspire Advance Limit Eligibility
Advance Limit applications will be reviewed based on the Eligibility Criteria below:
Criteria | Description | Corporate | Startup* |
Repayment History | - No history of late repayment of company & major shareholders at other financial institution - No bankruptcy in the last 5 years | Required | Required |
Minimum latest Y-o-Y revenue growth | No less than -5% | Required | Required |
Prohibited Industry | Not among prohibited industry list | Required | Required |
Country of operation & Director's location | in SG, VN, ID, MY, TH, PH | Required | Required |
Legal Entity type | Only in the form of LTD, JSC, PLS | Required | Required |
Minimum yearly revenue | At least 2M USD | Required | Not required |
Years of operation | At least 2 years | Required | Not required |
Profitability in the last 2 years | No less than 0% | Required | Not required |
VC capital injection | At least 5 million USD (total of all funding rounds) | Not required | Required |
Remaining runway | At least 9 months | Not required | Required |
Notes:
*Startups are businesses established for less than 3 years and primarily supported by venture capital, incubators, or accelerator investors.
Advance Limit approval is subject to further assessment after your documents are submitted.
How to obtain an Aspire Advance limit?
Already have an Aspire account
Admin users can request to activate an Advance Limit by following the steps below:
On your Aspire dashboard, click "Advance limit" in the left navigation bar (web app) or click "Menu" and choose "Advance limit" (mobile app).
Click"Get my advance limit", then follow the user flow
Our Credit Analysts will review your request. You should receive an email from us within three working days on the result of your Advance Limit application.
Note: For clients who previously had an Aspire Advance Limit, but had their Advance limit retired/deactivated - if you have checked the revised advance limit criteria (here) and are eligible for an advance limit, you may reapply via this form link: Advance Limit Reapplication Form
Don't have an Aspire account yet
If you're a small business with big ambitions, then our advance card might be the best option for you and your business needs. Apply online and learn more here.
Which currencies are available for Advance Limit?
We offer the following currencies when opening your Advance Limit:
Currencies available for Advance Limits | Repayment Currencies | Repayment Currencies | Repayment Currencies |
| Local | SGD | USD |
SGD | - | ✅ | ✅ |
USD | - | ✅ | ✅ |
IDR | ✅ | ✅ | ✅ |
VND | ✅ | ✅ | ✅ |
THB | ❌ | ✅ | ✅ |
PHP | ✅ | ✅ | ✅ |
MYR | ❌ | ✅ | ✅ |
NZD | ❌ | ✅ | ✅ |
GBP | ❌ | ✅ | ✅ |
EUR | ❌ | ✅ | ✅ |
NOK | ❌ | ✅ | ✅ |
HKD | ❌ | ✅ | ✅ |
CAD | ❌ | ✅ | ✅ |
AUD | ❌ | ✅ | ✅ |
INR | ❌ | ✅ | ✅ |
CNY | ❌ | ✅ | ✅ |
AED | ❌ | ✅ | ✅ |
JPY | ❌ | ✅ | ✅ |
Questions? Chat with us by clicking on the messenger icon at the bottom right of the screen once you are logged in.