The AI CFO.

Every Spring account includes an AI finance agent that connects read-only to your bank (via Plaid), accounting (QuickBooks, Xero, NetSuite), storefronts (Shopify, Amazon), EDI and email, and answers like a CFO from live data: cash runway, margin by SKU, what you can afford to take on, cash-flow forecasts and who owes you what. It drafts outreach to retail buyers (you approve every draft before it sends) and keeps watching your numbers after a funding lands. Drive the live sandbox on Software, take a tour, or see every integration on Connectors.

No. It drafts emails to retail buyers, investors or your team and pre-fills recipients and subjects, but every draft is shown in a compose panel first and nothing sends until you review it and click Send. It does not approve, fund or sign anything: financing decisions come from Spring's own review, and every agreement is a document you review and e-sign yourself. If you want a person, email support@spring.ai.

Six families:

• Business bank accounts, read-only through Plaid
• Storefronts and marketplaces: Shopify, Amazon
• Retailer and distributor portals: Target, Walmart, Costco, H-E-B, KeHE, UNFI, DOT Foods, Sephora, URBN, RJW Edge
• EDI: SPS Commerce, Crstl
• Accounting: QuickBooks Online, Xero, NetSuite
• Email: Gmail, Outlook

Only the bank link is required to apply, and if your bank cannot connect you can upload recent statements instead; everything else is optional and can be added later from the Integrations page in the Spring platform. Full directory on Connectors; if you do not see your stack, tell us and we will wire it up.

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.

All traffic uses HTTPS with TLS, production databases and backups are encrypted at rest and are not reachable from the public internet, and Spring is hosted on AWS in the United States. OAuth tokens and any stored login credentials are encrypted at rest, access to production follows least privilege with quarterly reviews, and controls are monitored continuously as Spring works toward a SOC 2 report. Your data is used only for the purposes set out in the Privacy Notice, and data from a connected Amazon seller account follows the Amazon Data Privacy Notice; the Security page has the detail, and security issues go to security@spring.ai.

The Spring platform is $499 a month, or $5,489 a year (eleven months, so the twelfth is free and the price is locked for the year). It covers the software: the AI finance agent, cash-flow analysis and forecasting, automated retailer outreach, financing tools and dedicated support, with no per-seat pricing, so invite as many teammates as you need. Financing is priced separately, per advance, and only when you use it; the subscription is not a markup on capital. See pricing.