Spring Advance - Fast Merchant Cash Advances

Can Spring Advance Help Your Business?

We work with all kinds of small businesses — from local shops to fast-growing contractors — to provide flexible funding solutions tailored to your needs.

Why People Come to Us

Cover payroll during slow months
Purchase materials or inventory
Hire staff or subcontractors
Bridge gaps between projects
Replace or repair equipment
Take advantage of bulk pricing
Expand into a new location

Industries We Support

Construction
Trucking & Logistics
Restaurants & Food Services
Salons & Barbershops
Retail & eCommerce
Medical & Dental Practices
Auto Repair & Dealerships
Cleaning & Janitorial Services

How It Works

Three simple steps to get you moving forward.

Fill out a short form

Tell us about your business. No lengthy applications or endless paperwork. Just the basics.

Talk with Rick or a teammate

Real conversation. Real people. We want to understand your vision, not just your numbers.

Get approved and funded

Money in your account in 24-48 hours. No waiting. No wondering. Just momentum.

What We Offer

Fast, flexible funding solutions designed for real business owners.

Merchant Cash Advances

Get $5,000 to $500,000 in 24-48 hours. No collateral required. Flexible repayment based on your daily sales.

Fast Approval

Simple application process. Real conversations with real people. No endless paperwork or waiting games.

Personal Service

Work directly with Rick and our team. We understand your business because we've been there ourselves.

Compare Options

Compare a Line of Credit, Term Funding, and MCA at a glance. Choose the best solution for your business based on rates, term lengths, and speed.

Funding Types	Line of Credit	Term Funding	MCA
No Credit Impact	✓	✓	✓
Term length	18 Months	3–15 Years	3–36 Months
Rate	1–3 % Monthly	8 % APR	Starting at 1.09
Speed	1–2 Weeks	3–6 Weeks	24–48 Hours
Time in business required	2 years	2 years	3 months
Credit score required	680+	650+	500+
Revenue required	$400K+	$500K+	$240 K+

Which is right for you?

Find the right fit for your business. Compare Line of Credit, Term Funding, and MCA at a glance.

High Eligibility Requirements

Line of Credit

A revolving pool of funds, ready whenever your business needs it.

1–3% monthly rate
Immediate cash availability
Only pay interest on used funds
Adjustable credit limits
No long-term commitment

Medium Eligibility Requirements

Term Funding

Upfront funds set with repayment periods, ideal for significant investments.

8% annual rate
Structured repayment schedule
Suitable for large investments
Fixed or variable interest rates
Long or short-term options

Low Eligibility Requirements

MCA

Upfront cash for a variable payment, depending on revenue fluctuations.

Starting at 1.09 factor rate
Based on sales history
Predictable estimated payment
Quick cash access
Tailored to expected revenues

About Spring Advance

Built by business owners, for business owners.

Our Story

Spring Advance was founded by Rick Cavileer, who knows firsthand the journey a business owner faces while seeking the resources needed to continue growing their revenue. With 25 years of experience in finance and small business, Rick brings a unique perspective to the merchant cash advance industry, with knowledge in products like lines of credit, equipment leasing, factoring, and SBA assistance.

He spent 15 years on Wall Street before becoming a small business owner himself—running a laundromat. It was there he saw firsthand the challenges of accessing fast, fair working capital. That experience inspired him to form Spring Advance, where he now helps other business owners get the funding they need—with the respect and terms they deserve.

Today, we've helped hundreds of business owners across the country seize opportunities and grow their businesses.

Rick Cavileer

Founder, Spring Advance

Real People. Real Results.

These aren't just numbers. These are the stories of business owners who took their shot.

Maria Rodriguez

Food Truck Owner

📍 Austin, TX

"Rick was the first to believe in us. We needed $15k fast to finish a second food truck. We got it in 48 hours."

Funding: $15,000 | Time: 48 hours

James Chen

Auto Repair Shop

📍 Detroit, MI

"When my lift broke down, I thought I'd lose everything. Spring Advance had me back in business in 24 hours."

Funding: $25,000 | Time: 24 hours

Sarah Williams

Boutique Owner

📍 Nashville, TN

"They didn't just give me money. They gave me confidence. Now I'm opening my third location."

Funding: $50,000 | Time: 36 hours

Get In Touch

Ready to take your next step? Let's talk about your business.

Contact Information

Phone

+1 (732) 558-7312

rick@springadvance.com

Hours

8AM-8PM EST

Weekdays, weekends, and holidays

Quick Questions?

Not ready to apply yet? Have questions about our process? We're here to help.

Call Rick Directly Send Email

The capital you need.
When it matters most.

Let's Get You Funded Email Rick