Pre-EIN Onboarding

Pre-EIN onboarding lets US businesses that have incorporated — but haven't yet received their IRS-issued EIN (Employer Identification Number) — open a full Aspire account while the EIN is still being processed. It's designed for newly incorporated founders who'd otherwise be stuck waiting weeks for the IRS.

It's currently available only to businesses referred by one of Aspire's incorporation partners. It isn't yet available to businesses signing up directly through Aspire's website or app.

You'll submit your SS-4 (the form your incorporation partner files with the IRS to request your EIN) in place of the EIN during onboarding. This is accepted as proof that your EIN is on the way.

No — Pre-EIN accounts get full account access from day one.

90 days from the date your account is opened. Your incorporation partner or Aspire will remind you as this window gets closer.

Documentation must be submitted before the 75-day review deadline to allow time for verification. If it's not received and approved in time, account functionality may remain restricted, and the account may be scheduled for closure on Day 90 from account opening. You'll receive advance notice as the deadline approaches, and any closure follows applicable notice.

You can upload it yourself through the Aspire app flow once you have it.

If both your EIN and proof of nexus are outstanding, the more restrictive limitation applies — meaning the USD 25,000 transaction cap from the Pre-Nexus program applies, along with a 90-day duration.

Yes — as soon as your EIN is verified, restrictions are lifted immediately; you don't need to wait out the full window.

No, this is a US-only program tied to the IRS EIN process.