At Spring Advance, we know that when your business needs funding, it usually can't wait. Traditional loans often come with long applications, credit-heavy reviews, and weeks of waiting for a decision. By then, the opportunity that pushed you to seek financing might already be gone.
That's why we've designed our process around one promise: fast, straightforward approvals.
Why Us?
Merchant cash advances (MCAs) are one of the quickest ways for small businesses to access working capital. Unlike traditional lenders that focus heavily on credit history, MCAs are based on your future sales. This allows approvals to happen in hours, not weeks.
At Spring Advance, we streamline this even further by focusing on:
- Performance over credit – We look at your real business revenue, not just a credit score.
- Simple paperwork – No piles of forms; just a fast, online application.
- Clear terms – We walk you through factor rates, holdback percentages, and repayment expectations before you accept.
Approvals in Hours, Funding as Fast as Next Day
Here's what speed really looks like:
- Apply online in minutes
- Decisions within hours (often the same day)
- Funds available as soon as the next business day
That means you can move on opportunities like stocking inventory, taking on a new contract, or covering urgent expenses—without delays.
Understanding MCA Costs
We believe speed should never mean confusion. That's why we make sure you understand how your funding works:
- Factor Rate – Instead of traditional interest, you'll see a fixed cost for the advance. For example, a $10,000 advance with a 1.3 factor rate means you'll repay $13,000 total.
- Holdback Percentage – Repayment happens automatically as a percentage of your daily or weekly sales, making it flexible with your revenue.
- No Hidden Fees – We're transparent up front, so you always know the true cost.
A Partner That Moves as Fast as You Do
Fast approvals aren't just about convenience—they're about keeping your business moving. At Spring Advance, we combine speed, clarity, and transparency so you can get the funds you need today, while planning smart for tomorrow.
If your business is ready for funding that keeps up with your pace, Spring Advance is here to help.