FUEL YOUR NEXT MOVE
Spring Advance provides direct lending solutions to help driven business owners seize opportunity.
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.
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
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
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.
Glow & Go Beauty Bar
📍 Jersey City, NJ
"We were nervous about applying for a merchant cash advance, but Spring Advance explained everything clearly and gave us options that fit our business. The funding helped us upgrade our equipment without slowing operations. A true partner for small businesses."
Riverbend Coffee Roasters
📍 Austin, TX
"Thanks to Spring Advance, we secured funding to open our second location. The process was quick, and their team was always available to answer our questions. They really understoof what our business needed to grow."
Midwest Freight Solutions
📍 Columbus, OH
"Fuel costs and repairs can add up fast. Spring Advance helped us cover expenses and keep our trucks on the road without missing a beat. They really understand small business needs."
Get In Touch
Ready to take your next step? Let's talk about your business.
Contact Information
Phone
+1 (732) 558-7312
newdeal@springadvance.com
Hours
8AM-8PM EST
Weekdays, weekends, and holidaysQuick Questions?
Not ready to apply yet? Have questions about our process? We're here to help.
The capital you need.
When it matters most.
+1 (732) 558-7312
Call Rick directly
24-48 Hours
From approval to funding