Spring, at spring.ai and operated by SpringCash LLC in New York, sells two very different things: working capital for any US small business ("Bridge Funding") and retail-supply-chain financing for consumer brands that sell to retailers such as Walmart, Target and Costco. It also sells a $499-a-month finance software platform. Those three pieces have different rules, so this review keeps them apart.
One row per product, because each one has different rules. Each row links to the page it came from.
| Product | Amount | Who it is for | Cost disclosed | How it is repaid | Source |
|---|---|---|---|---|---|
| Bridge Funding | Up to $500,000, based on verified deposits | Registered US business with revenue, a US entity with an EIN, and a business bank account connected read-only through Plaid (or uploaded statements). Spring runs a credit check when it prepares the offer. | One fixed fee shown before you accept. Spring says there are no origination, late, returned-payment or early-completion fees. | Structured as a purchase of a share of future receipts. A set share of daily receipts is collected by ACH, with a weekly ceiling. | Source |
| Purchase order financing | Part of up to $10M across retail products | Signed PO from an approved retailer, at least $1M in annual revenue, and a supplier Spring can pay. | Finance charge based on an annual rate and the days outstanding. | Spring pays your supplier directly; repaid when the order ships and is invoiced. | Source |
| Invoice factoring | Advance rate set per retailer | Invoices to retailers or distributors on net terms. | Finance charge based on an annual rate and the days outstanding, taken at funding. | The retailer pays Spring directly under a notice of assignment; the holdback less the fee comes back to you. | Source |
| Demand plan financing | Sized to the retailer orders committed for the coming quarter | US brands with retailer demand plans on the books. | One financing fee at a fixed annual rate, charged on what you draw. | Equal monthly installments, typically over six months. | Source |
Get the answers in writing. Use them to compare any offer, from Spring, from MFE or from anyone else.
MFE arranges merchant cash advances, working capital, lines of credit, equipment financing, invoice factoring and refinancing of existing advances, from $5,000 to $5,000,000. Credit from 500 is considered.
Review My Funding Options → Compare Spring with MFEOr call (305) 384-8391. English and Spanish.
Spring says Bridge Funding is a purchase of a share of your future receipts, with one fixed fee shown before you accept. With its PO financing, Spring pays your supplier directly. With its factoring, your retailer pays Spring.
Bridge Funding: Registered US business with revenue, a US entity with an EIN, and a business bank account connected read-only through Plaid (or uploaded statements). Spring runs a credit check when it prepares the offer. Purchase order financing: Signed PO from an approved retailer, at least $1M in annual revenue, and a supplier Spring can pay. Invoice factoring: Invoices to retailers or distributors on net terms. Demand plan financing: US brands with retailer demand plans on the books.
Whether a Bridge Funding customer must also pay the $499-a-month platform subscription. Spring says financing is priced separately from the software; ask before you apply. A minimum credit score for Bridge Funding. Spring says it runs a credit check but does not publish a cutoff. A minimum monthly revenue or time in business for Bridge Funding. The fee as a percentage, the share of daily receipts collected, and the weekly ceiling. These appear only in your offer.
Is this offer Bridge Funding, PO financing, factoring or demand-plan financing? The answer changes who gets paid and how you repay. What is the fixed fee in dollars, and what total amount will be collected? What share of daily receipts will be debited, and what is the weekly ceiling? Do I need the $499-a-month platform to get or keep this financing? Which account will the ACH debits come from, and what happens to the debits during a slow week?
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.