# Spring (SpringCash LLC) vs Merchant Fund Express

URL: https://merchantfundexpress.com/compare/mfe-vs-spring/
Published by Merchant Fund Express. Spring facts from spring.ai, checked October 15, 2026.

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.

- When Spring makes sense: 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.
- When MFE makes sense: 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.

## Side by side
| | 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 |

## Two businesses, two different answers
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.

Apply with MFE: https://merchantfundexpress.com/current-application.html