Fastest Working Capital Access in America for Retail Brands at 0% APR
Unlimited Invoice & PO Financing — One Simple Subscription.  No Outstanding Balance. No Fee.

Purchase order financing (“PO financing”) is when we pay your factory or co-packer upfront to produce goods for a confirmed retailer purchase order. Instead of you needing the cash to make the inventory, we step in and fund the cost of production so you can fulfill large orders from retailers like UNFI, KeHE, Costco, Target, Nordstrom, Walmart, and more.

We will pay the factory/co-packer. Your first $50K in factored invoices has 0% fees or APR.

Any major retailer or distributor is eligible. SpringCash can finance POs from UNFI, KeHE, Costco, Target, Nordstrom, Walmart, and most other national retailers and wholesalers. If the PO comes from a legitimate, verifiable retailer or distributor, we can fund it.

We finance up to 100% of the purchase order, depending on the retailer and overall deal structure. Most brands receive full coverage so they can produce and ship the order without tying up cash.

Usually within 24 hours of applying. To apply, fill out the 6-minute form on our website, link QuickBooks and your bank.

To get started, just fill out the 6 minute form and link QuickBooks and your bank through our confidential Plaid secure upload.

Invoice Factoring needs an Invoice, PO, or POD.PO Financing only needs the PO.

For your first invoice with us, we factor 80% to understand your deduction and chargeback history. This helps us determine the advance rate we can offer you going forward.If the retailer pays more than we factored, we remit the excess to you immediately.

If deductions or chargebacks come in higher than the invoiced amount, we’ll work with your team to collect the difference within a reasonable timeframe.

No. SpringCash does not require personal guarantees. We offer the most founder-friendly terms in the industry, guarantees apply only in cases of fraud, not normal business failure.

No. PO financing is not a loan, it’s an advance on a confirmed retailer order. It doesn’t show up as debt and won’t affect your term sheet, balance sheet, or fundraising.

We don’t have a blanket UCC loan recruitment.