FAQs

You send Spring an invoice your retailer or distributor has not paid yet. Spring verifies it and advances most of its value up front (usually within 24 hours once that retailer is set up), while the retailer keeps its normal terms and pays Spring under a Notice of Assignment. When the retailer pays, Spring keeps the advance plus its fee and remits the rest to you. It works for invoices to Walmart, Costco, Target, UNFI, KeHE and others; see invoice factoring.

The advance rate is set per retailer, based on your payment and deduction history with that retailer, and it is shown in your offer before you accept. Spring pays the advance up front and holds back the remainder; once the retailer pays, the holdback less Spring's fee is remitted to you. The rate can rise as your history with a retailer grows. Ask for the exact number in your invoice factoring offer.

Spring finances invoices to retailers and distributors including Walmart, Target, Costco, Whole Foods, UNFI and KeHE, and factoring is set up retailer by retailer: each gets its own Notice of Assignment and its own advance rate (shown in your offer before you accept), so you bring the retailers you want to factor. Many of them connect directly (Walmart, Target, Costco, KeHE, UNFI, H-E-B, Sephora, URBN, DOT Foods), so invoices, payments and deductions sync read-only and receivables become financeable as they post, with no exports or uploads. Full list on Connectors; mechanics on invoice factoring.

A NOA is a short letter telling your retailer's accounts-payable desk to send payments on your financed invoices to a collection account Spring holds for that relationship. It changes one line in the retailer's vendor file (the remit-to), not your prices, terms or product, and it is one notice per retailer, not per invoice; Walmart, Target, Costco, UNFI and KeHE each have a routine desk and form for it. A retailer has to be set up before its first invoice is funded, which is why a first funding takes longer than repeat ones. Full explainer: What is a NOA?.

The payment lands in the collection account and is credited to your Spring account: it first settles what is outstanding on the financing (the advance plus the fee), and whatever is left is remitted to you. Remittances work off your account balance rather than invoice by invoice, so money not needed for an open advance is sent back to you, and a retailer short-pay is carried on your balance and covered by later collections. Payments on invoices Spring did not fund are remitted to you as well, and your Spring account shows line by line how each payment was applied.

When a retailer sends you a signed purchase order, Spring pays your supplier directly for the goods, freight and 3PL behind it, so production can start without you fronting the cash; orders can flow in automatically from your PO system or EDI such as SPS Commerce. When you ship and invoice, invoice factoring covers the remaining share up to your retailer's advance rate, and the retailer's payment to Spring closes both. You need a US business, a signed PO from an approved retailer and a supplier Spring can pay. See purchase order financing.

Capital sized to the orders your retailers have committed to for the coming quarter, so production can be funded before the purchase orders or invoices exist. Spring pays your manufacturers for the run and can add working capital alongside it; you repay in equal monthly installments, typically over six months, at a fixed annual rate with no origination fee and no prepayment penalty. Unlike factoring it is a loan and carries a security interest in the business; the amount and terms are set in underwriting and spelled out before you sign. See demand plan financing.

Applying takes about six minutes and decisions come back in hours or days, not weeks. Bridge Funding can be funded the same day you accept your offer, by real-time payment once your bank account is verified. For invoice factoring and PO financing, the first funding usually waits on your retailer's Notice of Assignment (days to a couple of weeks depending on the retailer); after that, invoices are typically funded within 24 hours. Every advance is verified first, so no funding time is guaranteed.

Financing is priced per advance and shown before you accept, with no hidden fees; the platform subscription is separate and is not a markup on capital. Invoice factoring and PO financing carry a finance charge based on an annual rate and the number of days the advance is outstanding, taken at funding, so a shorter term costs less. Bridge Funding is one flat fee that never increases, and demand plan financing is a fixed annual rate with no origination fee or prepayment penalty. Rates depend on your business, the product and the retailer, so an exact number comes only from your offer; see pricing.

Spring never takes equity. Invoice factoring and PO financing are a sale of your receivables, not a loan: the retailer pays Spring directly under a notice of assignment, and you sign a Validity Agreement (your promise that the invoices and what you tell us are genuine) rather than a personal guarantee of repayment. Bridge Funding takes an interest only in the receipts it purchased, with a limited validity guaranty; demand plan financing is a loan and does carry a lien on business assets. Whatever applies is stated in your offer documents before you sign.

A revenue-based advance is repaid out of your bank account every day from day one, for a flat fee fixed up front that works out to a very high annual rate. Spring's factoring is repaid by your retailer, once, when the invoice is due, and priced on the days the money is actually out, so a shorter term costs less. An asset-based line is sized on what you already own and takes weeks of diligence, with facility fees and minimums; Spring funds the order itself, deal by deal, with no facility fee, minimum use, term or exit fee. Full arithmetic in Spring vs revenue-based financing and Spring vs asset-based lending.

Bridge Funding is working capital for any small business (restaurants, contractors, salons, storefronts, manufacturers): up to $500,000 based on the money your business already makes, with no retailer invoice or NOA involved. You answer a few questions, connect your business bank read-only through Plaid, and an offer comes back with one fixed fee shown before you accept; Spring runs a credit check when it prepares the offer. It is structured as a purchase of a share of your future receipts, not a loan. Start at Bridge Funding.

Repayment follows your revenue: a set share of your daily receipts is collected by ACH from the account you designate, with a weekly ceiling, until the agreed amount is delivered, so a busy week pays a little more and a slow week a little less. The fee never increases and there are no origination, late, returned-payment or early-completion fees; every payment is visible in the Spring platform. Revoking the ACH authorization does not end the agreement, so if something changes in your business, email support@spring.ai and the team will walk through it with you. Details on Bridge Funding.

Bridge Funding is sized on the revenue your business already makes, so underwriting needs to see every account the business is paid into. If our review spots an account it cannot read, you get an email listing the accounts we noticed: if they are business accounts, connect them with the button; if not (a personal account, say), reply to that email to confirm and we finish the review on the accounts we can see. Reply promptly, since an unanswered ask times out after a few business days and the review proceeds without that account. Every bank connection is read-only through Plaid, and your banking login never touches Spring.

Every Spring account includes an AI finance agent that connects read-only to your bank (via Plaid), accounting (QuickBooks, Xero, NetSuite), storefronts (Shopify, Amazon), EDI and email, and answers like a CFO from live data: cash runway, margin by SKU, what you can afford to take on, cash-flow forecasts and who owes you what. It drafts outreach to retail buyers (you approve every draft before it sends) and keeps watching your numbers after a funding lands. Drive the live sandbox on Software, take a tour, or see every integration on Connectors.

No. It drafts emails to retail buyers, investors or your team and pre-fills recipients and subjects, but every draft is shown in a compose panel first and nothing sends until you review it and click Send. It does not approve, fund or sign anything: financing decisions come from Spring's underwriting, and every agreement is a document you review and e-sign yourself. If you want a person, email support@spring.ai.

Six families:

• Business bank accounts, read-only through Plaid
• Storefronts and marketplaces: Shopify, Amazon
• Retailer and distributor portals: Target, Walmart, Costco, H-E-B, KeHE, UNFI, DOT Foods, Sephora, URBN, RJW Edge
• EDI: SPS Commerce, Crstl
• Accounting: QuickBooks Online, Xero, NetSuite
• Email: Gmail, Outlook

Only the bank link is required to apply, and if your bank cannot connect you can upload recent statements instead; everything else is optional and can be added later from the Integrations page in the Spring platform. Full directory on Connectors; if you do not see your stack, tell us and we will wire it up.

Yes, the bank link is read-only: your username and password go to Plaid, never to Spring, and the connection itself carries no permission to move money (security). Any repayment debit, for example on Bridge Funding, rests on a separate, explicit debit authorization you give in the agreement you sign or in a dedicated authorize-a-bank step in your Spring account, and those are the only debits Spring initiates. What the link feeds is underwriting and the cash-flow forecast: revenue as it actually lands and retailer deposits recognized by payer, so your funding limit stays current without statement uploads.

All traffic uses HTTPS with TLS, production databases and backups are encrypted at rest and are not reachable from the public internet, and Spring is hosted on AWS in the United States. OAuth tokens and any stored login credentials are encrypted at rest, access to production follows least privilege with quarterly reviews, and controls are monitored continuously as Spring works toward a SOC 2 report. Your data is used only for the purposes set out in the Privacy Notice; the Security page has the detail, and security issues go to security@spring.ai.

You can revoke any connection at the vendor at any time, and Amazon, TikTok Shop and QuickBooks can also be disconnected from inside the Spring platform. One rule: while you have a balance outstanding with Spring, a bank, accounting or commerce connection cannot be removed from Spring's side, because that connection is how repayment is watched. After a relationship ends, financial and lending records are kept for seven years and then deleted; request access, correction or deletion at privacy@springcash.com, as set out in the Privacy Policy.

The Spring platform is $499 a month, or $5,489 a year (eleven months, so the twelfth is free and the price is locked for the year). It covers the software: the AI finance agent, cash-flow analysis and forecasting, automated retailer outreach, financing tools and dedicated support, with no per-seat pricing, so invite as many teammates as you need. Financing is priced separately, per advance, and only when you use it; the subscription is not a markup on capital. See pricing.

Yes, self-serve from your billing settings in the Spring platform (Account, then Manage billing), with no call or email needed. Monthly cancellations take effect at the end of the current billing cycle; annual plans are not pro-rated, so a cancellation takes effect at the end of the paid year. You can switch between monthly and annual and update your card from the same place, and cancelling the software does not change any financing you have already accepted. See pricing for what each plan includes.

Email support@spring.ai, call (973) 318-1716, or text (332) 320-9450 by iMessage or SMS; the team typically responds within an hour during business hours. Spring is at 106 W 56th St, New York, NY 10019, and the Contact page has a form for anything else. Existing customers should sign in at app.spring.ai for questions about their own account.

Identity verification takes about two minutes: a government-issued ID and a selfie. The link in your email is personal and keeps working for as long as your verification is open, so if it says expired (an email scanner may have opened it first), click it again from the most recent email; we also send reminders after about 24 and 72 hours while it is outstanding. If it still will not load, reply to that email or write support@spring.ai and the team sends a fresh one; your application waits at this step until it is done.