Aspire, a Singapore-based all-in-one finance platform, has launched Aspire Yield, a new investment product designed to give small and medium enterprises (SMEs) institutional-grade returns on idle business funds without sacrificing liquidity or accessibility.
Following its Capital Markets Services License from the Monetary Authority of Singapore (MAS) in April 2025, Aspire can now offer regulated investment solutions through AFT SG 2 Pte Ltd, part of the Aspire Group.
With Aspire Yield, businesses can access Singapore and US dollar-denominated money market funds, earning up to 2.04 per cent and 3.88 per cent per annum, respectively. This is significantly higher than the standard 0.01 per cent to 0.25 per cent offered by traditional business savings accounts.
It removes many of the common barriers to entry associated with traditional investment products, including no minimum investment amounts, next-business-day liquidity, no lock-up periods, and full integration within Aspire’s existing platform.
“Businesses need their capital to work harder, but they also need immediate access when opportunities or challenges arise,” said Damien Passavent, Chief Product Officer at Aspire. “This isn’t about locking money away – it’s about making every dollar more productive while preserving complete operational flexibility”.
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Aspire Yield is available immediately to Singapore-incorporated businesses.
The financial investment sector has long underserved small businesses. While corporates enjoy dedicated wealth managers and access to high-yield products, SMEs are often left with limited options, especially when they need operational flexibility.
Aspire Yield aims to close this gap. According to Aspire’s internal research from July 2025, 55 per cent of funds now invested through Aspire Yield were previously sitting idle in traditional business accounts, generating little to no return.
“This is capital that could have been working harder,” said Andrea Baronchelli, CEO and co-founder of Aspire. “Aspire Yield changes this by giving every eligible Singapore business access to the same high-quality money market funds that are available to institutional investors, seamlessly integrated into their daily financial operations”.
Aspire has partnered with Fullerton Fund Management to manage the underlying investments for SGD and USD yield accounts, adding credibility and experience to the offering.
Mark Yuen, Chief Business Development Officer at Fullerton, highlighted the broader mission: “Our partnership with Aspire democratises access to professional fund management, enabling SMEs to optimise their working capital with the same calibre of investment solutions traditionally reserved for larger businesses”.
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