Spring AI

Spring provides working capital financing to CPG brands and businesses on net terms through products including invoice factoring, purchase order financing, demand plan financing, and bridge funding. The company operates as SpringCash LLC, headquartered at 106 W 56th St, New York, NY, 10019, and has funded over $250 million to more than 300 businesses. Every customer also receives an AI finance agent that reads live bank, accounting, and storefront data to assist with cash flow analysis and forecasting.

Consumer brands that invoice retailers or distributors on net terms can use invoice factoring, PO financing, and demand plan financing with up to $10M available. A registered US business with $1M+ in yearly revenue, 12 months of bank history, and a business bank account can apply for Bridge Funding of up to $100,000. Owners do not have to live in the US, but the business itself must be a US entity with an EIN.

The process involves three steps: answering a few questions about what you make and who pays you, connecting read-only links to bank, books, and retailer portals, and then accepting the offer to get wired funds. Bridge Funding requires a live bank link, and Spring runs a credit check when preparing a Bridge offer. The entire application takes about six minutes and does not require a pitch deck or document packet.

The Spring platform costs $499 a month, or $5,489 a year with the twelfth month free and the price locked for the year. Financing is priced separately per advance and only when used, with no per-seat pricing so you can invite as many teammates as needed. You can cancel anytime via self-serve billing settings, with monthly cancellations taking effect at the end of the current billing cycle.

Some reviewers say Spring funds invoices within hours and describe it as an outstanding PO financing partner, the best in the business. The company has funded $250M+ to 300+ businesses and is a BBB Accredited Business. It offers dedicated support and automated retailer outreach as part of its AI-powered business intelligence tools.

Spring connects to read-only links for bank, books, and retailer portals, with Shopify and accounting software like QuickBooks and Xero being optional connections that can be added later. The AI finance agent reads live data from these sources to provide cash-flow analysis and forecasting. Users can connect their accounts via Plaid or upload statements if their bank cannot connect directly.

The company was founded in May 2025 and has raised $30M across seed and Series A rounds, including a $25M equity round in April 2026. It is operated by SpringCash LLC and has a team available to reach via support@spring.ai or the business phone number (973) 318-1716. The business is located at 106 W 56th St, New York, NY, 10019.

Invoice factoring is for getting paid today instead of waiting for net terms, while PO financing is used when an order is bigger than your balance. Demand plan financing is for when money is tied up in production, and bridge funding is for when timing is off by a few weeks. Roughly, if most revenue is online like Shopify or Amazon, there are no retailer invoices to factor, so bridge funding is usually the fit.

To get started, you answer a few questions, connect your accounts via read-only links, and take the offer. The process takes about six minutes and includes business details, owner details, and anyone else who owns 25% or more. You can apply in about six minutes without needing a pitch deck or document packet.

Spring runs a credit check specifically for Bridge Funding applications. The company has funded $250M+ to 300+ businesses and is headquartered in New York. It offers a one-time platform fee of $499 a month with no hidden fees.

The Spring platform includes cash intelligence, automated financing, and retail expansion tools for one transparent price. It covers the software, AI finance agent, cash-flow analysis, and automated retailer outreach with no per-seat pricing. A specialist onboards your live business data in the first 48 hours after you subscribe.

You can cancel anytime from your billing settings in the Spring platform under Account, then Manage billing. No calls or emails are required, and you can switch between monthly and annual plans from the same place. Annual plans are not pro-rated, so cancellation takes effect at the end of the paid year.

Some users on Reddit say Spring is a game changer for brands scaling fast and every founder needs to know about it. The company has raised $30M across seed and Series A rounds, including a $25M equity round in April 2026. It has funded $250M+ to 300+ businesses and is a BBB Accredited Business.

Spring AI is located at 106 W 56th St, New York, NY, 10019, US.

You can reach Spring AI by phone at (973) 318-1716.