Spring and Merchant Fund Express both offer working capital to US small businesses. Spring also offers financing tied to retailer purchase orders and invoices. MFE offers a wider set of everyday business products (MCA, lines of credit, equipment, factoring, refinance) with a phone team. Which one fits depends on what you are funding.
Compare My Funding Options →Choose Spring if you are a consumer brand with a signed retailer PO or open retailer invoices, and you want the supplier paid directly or invoices advanced against your retailer's credit.
Choose MFE if you need general operating cash (payroll, inventory, repairs, marketing), want to compare more than one product type, already carry an advance you want refinanced, or want to talk to a person in English or Spanish.
"Not published" means the company's public site does not say. It does not mean the answer is no.
| Spring (SpringCash LLC) | Merchant Fund Express | |
|---|---|---|
| Products | Bridge Funding (working capital), PO financing, invoice factoring, demand-plan financing, plus a $499/month software platform | Merchant cash advance, revenue-based funding, working capital loans, business lines of credit, equipment financing, invoice factoring and MCA refinance/buyout |
| Working capital amount | Bridge: up to $500,000 | $5,000 to $5,000,000 |
| Credit | Credit check at offer; no published minimum | 500+ FICO considered; stronger credit usually means better offers |
| Time in business / revenue | Bridge: a US business with revenue (no published minimum). PO financing: $1M+ annual revenue | MCA: often 3+ months. Working capital: often 6+ months. Line of credit: usually 1+ year. MCA: commonly from about $7,500 a month. Working capital and lines of credit: commonly from about $17,500 a month |
| Documents | Business and owner details, Plaid bank connection or uploaded statements, photo ID and selfie | 3 to 4 months of business bank statements, ID, voided check and a short application |
| Repayment | Bridge: a share of daily receipts by ACH with a weekly ceiling. Factoring: the retailer pays Spring | Depends on the product: a share of sales or fixed daily/weekly debits (MCA), fixed schedule (working capital), interest on what you draw (line of credit) |
| Cost disclosure | Bridge: one fixed fee shown before you accept. Software: $499/month, billed separately | Total payback and payment schedule shown in the offer before you sign |
| Speed | Same-day answers are normal; Bridge can be funded the same day you accept | Same-day decisions are common on complete files; funding often follows the next business day |
| Who you talk to | Online process; email, phone and text support | Phone (305) 384-8391, online application, English and Spanish |
MFE figures are planning guidelines from the requirements page, not approval promises. Every decision depends on your bank statements and application. For the full source list on Spring, see the Spring review.
A neighborhood retail store needs $60,000 for holiday inventory. It has no retailer purchase order, so Spring's PO, factoring and demand-plan products do not apply. The real choice is Spring Bridge Funding against an MFE working-capital or revenue-based offer. Compare the total payback, the daily or weekly collection and whether any software fee comes with it.
A snack brand with a signed Target order needs its co-packer paid before production. That is a supplier-payment problem, and Spring's PO financing is built for it, provided the brand clears $1M in annual revenue. An MFE working-capital offer could also cover it, but it would be repaid from the brand's own bank account instead of from the retailer's payment.
Two offers with the same headline amount can cost the same and still feel very different in a slow month. This example uses made-up numbers for illustration only. Neither column is a real offer from either company.
| Illustration | Offer A: fixed weekly payment | Offer B: share of sales |
|---|---|---|
| Headline amount | $50,000 | $50,000 |
| Fees taken at funding | $2,500 | $0 |
| Cash you actually receive | $47,500 | $50,000 |
| Total payback | $65,000 | $67,500 |
| Cost of the money | $17,500 | $17,500 |
| Payment, normal week ($25,000 sales) | $2,500 fixed, about 26 weeks | 10% of sales = $2,500, about 27 weeks |
| Payment, slow week (sales down 30%) | Still $2,500, now 14.3% of sales | $1,750, payoff stretches to about 39 weeks |
Both offers cost $17,500. Offer A puts more cash in your hand only if you overlook the fee, and its payment does not drop when sales do. Offer B costs the same but follows your sales. When you compare real offers, fill in the same seven rows. You can also use the offer comparison calculator and the payment burden calculator.
Short application, statements reviewed by a person, and the payback and payment explained before you sign. $5,000 to $5,000,000. Credit from 500 is considered.
Compare My Funding Options →Or call (305) 384-8391. English and Spanish.
Choose Spring if you are a consumer brand with a signed retailer PO or open retailer invoices, and you want the supplier paid directly or invoices advanced against your retailer's credit. Choose MFE if you need general operating cash (payroll, inventory, repairs, marketing), want to compare more than one product type, already carry an advance you want refinanced, or want to talk to a person in English or Spanish.
Spring and Merchant Fund Express both offer working capital to US small businesses. Spring also offers financing tied to retailer purchase orders and invoices. MFE offers a wider set of everyday business products (MCA, lines of credit, equipment, factoring, refinance) with a phone team. Which one fits depends on what you are funding.
Compare the cash you actually receive after fees, the total payback, the payment amount and frequency, and what the payment does in a slow month. Equal headline amounts are not equal offers.
About this page. Merchant Fund Express publishes this page and offers competing business funding. MFE has no affiliation with Spring (SpringCash LLC). All facts about Spring (SpringCash LLC) come from its own public website (spring.ai), checked October 15, 2026, and link to the page they came from. Where its site says nothing, this page says "not published" rather than guess. Terms change, so confirm them with the company before you sign. Spring (SpringCash LLC) and other names are trademarks of their owners. Spotted an error? Call (305) 384-8391 and we will correct it.