Spring Advance Terms of Service

Last Updated: November 11, 2026

These Terms of Service govern your use of springadvance.com and the services of AM Futures, doing business as Spring Advance ("Spring Advance," "we," "us"). By using our website, submitting an application, or opting in to our communications, you agree to these Terms.

Our Services

Spring Advance helps businesses obtain funding, including merchant cash advances, term funding and lines of credit. Submitting an application does not guarantee approval. All offers are subject to review, underwriting and final agreement terms.

Your Information

You agree to provide accurate, current and complete information on any application or form. You authorize us and our funding partners to verify that information, including by reviewing bank statements and business and credit records, as needed to evaluate your request.

SMS Messaging Terms

• Program: Spring Advance sends text messages to applicants and existing clients about their application, funding status, renewals and account follow-ups.
• Consent: You opt in by providing your mobile number and checking the consent box on our funding application. Consent is not a condition of receiving funding.
• Frequency: Message frequency varies, up to 3 messages per week.
• Cost: Message and data rates may apply.
• Opt out: Reply STOP at any time to stop receiving texts. You will receive one confirmation message.
• Help: Reply HELP, email rick@springadvance.com, or call (732) 558-7312.
• Carriers: Carriers are not liable for delayed or undelivered messages.
• Privacy: We do not sell or share your mobile number or opt-in data with third parties for their marketing. See our Privacy Policy.

Email Communications

We may email you about your application, funding options and related services. Every marketing email includes an unsubscribe link, and we honor opt-out requests promptly.

No Financial Advice

Information on our website is general in nature and is not legal, tax or financial advice. Consult your own advisors before making funding decisions.

Limitation of Liability

To the fullest extent permitted by law, Spring Advance is not liable for indirect, incidental or consequential damages arising from your use of our website or services. Our website is provided "as is" without warranties of any kind.

Changes to These Terms

We may update these Terms from time to time. Changes take effect when posted on this page with a new "Last Updated" date.

Governing Law

These Terms are governed by the laws of the State of New Jersey.

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