Turn Retailer Invoices into Immediate Cash Flow

Let's get you funding      fast.

Approvals up to $250K instantly.
Why businesses pick Spring
To apply, you'll need

How It Works

Tell us about your business

Legal Name of Business Entity
Incorporation Type
Business Tax ID
Business Address
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Tell us about your business
Once you've created an account, take a moment to share some details about your company.
Link your Invoice Platforms
Securely connect your invoice management platforms to easily share your pending invoices from retailers like Walmart, Costco, and others.
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$150,000
Receive Immediate Funding
We quickly verify and analyze your retailer-issued invoices.

Once approved, receive instant funds directly to your bank account, freeing you from lengthy retailer payment schedules.

Why Our Customers Love Us

Immediate Cash Flow

Get paid immediately for retailer invoices, turning your sales into instant capital.

No Collateral or Guarantees

We don't require inventory collateral, personal guarantees, or equity stakes.

Simple, Transparent Pricing
One clear factoring fee per invoice—no hidden costs or surprises.

Scalable Access

As your retailer partnerships grow, so does your available funding. Use the funds freely to cover inventory, marketing, operations, or any other business expense.

Flexible Funding Limits
Funding adapts dynamically to your invoices, enabling continual growth without friction.
Dedicated Account Management
Personalized support from a dedicated advisor to streamline the factoring process.
Digital Integration
Seamless connection to major invoicing platforms for swift approvals and rapid payouts.
Quick Approvals
Rapid decisions made in hours, not days, to accelerate your cash flow.
No Long-term Commitments
Use factoring only when needed without long-term contractual obligations.
Streamlined Process
Minimal documentation required; designed to save you valuable time.

Our Team Has Previously Invested $500M+ into Brands Such As:

The Mansion at 9 Marylebone Lane
Mandarin Oriental Hotel, Mayfair
Mayfair Park Residences by the Dorchester Collection

Popular Use Cases for Funding

Brands We’re a Great Fit For

Accelerate cash flow to keep fresh products stocked and production uninterrupted, without waiting on retail payments.

Our business by the numbers

98
%
98% of approved invoices funded within 24 hours
85
%
of customers return for additional funding
90
%
of merchants report improved cash flow
40
%
40% growth in revenue after using factoring

About Us

We're majority owned by Clivedale Group, which has over $1 billion of assets and is a majority shareholder of GB BANK, a regulated UK bank with >$2 billion balance sheet.
GB Bank’s London HQ
GB Bank’s London HQ
GB Bank’s London HQ

Leadership

Chairman
Sameer Gehlaut
In the UK, Sameer founded Clivedale Group, a luxury real estate developer with a portfolio exceeding £1.5 billion in GDV.

Landmark developments by Clivedale include Mayfair Mandarin Oriental Hotel and Residences and Mayfair Park Residences, managed and serviced by the Dorchester Collection.

Sameer through his family office is the majority shareholder of GB Bank (UK) with £2 billion+ in deposits.

Sameer founded Indiabulls Group in India. Under his leadership, Indiabulls Housing Finance disbursed over $35 billion to more than 500,000 customers and returned $1.8 billion in dividends to shareholders. Indiabulls Real Estate developed over 20 million sq. ft. of prime residential and commercial properties and it's 2 office complexes, One Indiabulls Center and Indiabulls Finance Cente were bought by Blackstone for $2 billion.

Sameer holds a Bachelor of Technology in Mechanical Engineering from the Indian Institute of Technology (IIT) Delhi.
CEO
Tej was previously an investor at Coatue, a hedge fund and VC fund that manages over $50 billion and whose portfolio companies including Bytedance (TikTok), OpenAI, Discord, Canva, and others.

He also worked at Bain Capital Ventures and the M&A team at IAC, a holding company that owned and spun out Tinder, TicketMaster, Hotels.com, Expedia, and others.
CTO
Oliver Hamilton
Oliver Hamilton is the CTO and Co-Founder of SpringCash, a fintech startup focused on simplifying access to capital for businesses.

Previously, he was a founding engineer at Minion AI, where he built critical infrastructure for AI-driven applications. Before that, Oliver worked at Alameda Research, where he developed high-performance trading systems in cryptocurrency markets. He gained early exposure to high-frequency trading as a software engineering intern at Two Sigma, contributing to the derivatives engineering team. He also interned at Airbnb, working on the Experiences Search team to enhance user discovery algorithms.

Oliver is particularly passionate about startups leveraging artificial intelligence and algorithmic trading technologies. He enjoys building scalable software systems and exploring innovative approaches to financial engineering. Oliver is enthusiastic about fintech's potential to reshape how businesses access and utilize capital efficiently. Outside work, he is a dedicated runner and enjoys exploring New York City’s food scene.

Oliver holds an MS and BS in Computer Science and a BA in Mathematics from Vanderbilt University.

FAQs

What is invoice factoring?

Invoice factoring allows businesses to sell their pending invoices to us for immediate cash.

How quickly can I receive funding from my retailer invoices?

Typically within 24-48 hours after invoice approval.

What are the fees associated with factoring my invoices?

Fees vary based on invoice size and retailer, typically ranging from 1% to 3%.

Can I factor invoices from any retailer?

Most major retailers are accepted; eligibility depends on invoice verification.

Do I need collateral or a personal guarantee?

No collateral or personal guarantees are required.

Will factoring impact my relationship with the retailer?

No, retailers continue their usual payment process; factoring remains confidential.

How does SpringCash verify my invoices?

We securely integrate with your invoice management software for verification.

Is there a limit to how many invoices I can factor?

No, you can factor as many invoices as your business needs.

What happens if the retailer delays payment beyond the agreed terms?

We manage delays without impacting your initial funding.

Can I use invoice factoring along with other financing options?

Yes, invoice factoring complements other financing products seamlessly.

How do repayments work once my retailer pays?

Retailer payments are directed to SpringCash, settling your funded invoices directly.

Do you integrate directly with my existing invoice software?

Yes, we integrate with major invoicing platforms for seamless processing.

Are there minimum or maximum invoice amounts?

Minimum and maximum amounts vary by retailer and your specific needs, typically ranging from $10,000 to $1 million per invoice.

Is my business eligible for invoice factoring?

If you regularly sell to established retailers and have verifiable invoices, your business likely qualifies.

How can I contact Spring Cash?

You can reach us in the following ways: email support@springcash.com or call (804) 516-8727. We’ll get back to you within one business day.

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