Working capital for any small business.

Bridge Funding is working capital for any small business (restaurants, contractors, salons, storefronts, manufacturers): up to $500,000 based on the money your business already makes, with no retailer invoice or NOA involved. You answer a few questions, connect your business bank read-only through Plaid, and an offer comes back with one fixed fee shown before you accept; Spring runs a credit check when it prepares the offer. It is structured as a purchase of a share of your future receipts, and once your bank account is verified it can be funded the same day you accept, by real-time payment. Start at Bridge Funding.

A registered US business with revenue and a business bank account. Owners do not have to live in the US, but the business itself needs to be a US entity with an EIN. You connect that bank read-only through Plaid so Spring can see the money already coming in, and Spring runs a credit check when it prepares your offer. There is no document packet to assemble; anything else is asked for after that. The amount is based on your verified deposits. Start at Bridge Funding.

One fixed fee, shown in your offer before you accept, that never increases. There are no origination, late, returned-payment or early-completion fees. Your amount, fee and payments depend on your verified deposits, so an exact number comes only from your offer; the estimate on Bridge Funding gives a ballpark, and getting started takes about two minutes with no commitment.

Repayment follows your revenue: a set share of your daily receipts is collected by ACH from the account you designate, with a weekly ceiling, until the agreed amount is delivered, so a busy week pays a little more and a slow week a little less. The fee never increases and there are no origination, late, returned-payment or early-completion fees; every payment is visible in the Spring platform. Revoking the ACH authorization does not end the agreement, so if something changes in your business, email support@spring.ai and the team will walk through it with you. Details on Bridge Funding.

Bridge Funding is sized on the revenue your business already makes, so the review needs to see every account the business is paid into. If our review spots an account it cannot read, you get an email listing the accounts we noticed: if they are business accounts, connect them with the button; if not (a personal account, say), reply to that email to confirm and we finish the review on the accounts we can see. Reply promptly, since an unanswered ask times out after a few business days and the review proceeds without that account. Every bank connection is read-only through Plaid, and your banking login never touches Spring.

Yes, the bank link is read-only: your username and password go to Plaid, never to Spring, and the connection itself carries no permission to move money (security). Any repayment debit, for example on Bridge Funding, rests on a separate, explicit debit authorization you give in the agreement you sign or in a dedicated authorize-a-bank step in your Spring account, and those are the only debits Spring initiates. What the link feeds is Spring's review of your application and the cash-flow forecast: revenue as it actually lands and retailer deposits recognized by payer, so your funding limit stays current without statement uploads.