Merchant cash advances · $100 to $5,000
Business funding up to $5,000, powered by your revenue
One short request reaches the funders in our network at once. Free to ask, and it won’t touch your credit score.
- Free to askNo fee from us, ever
- Soft inquiryNo effect on your credit score
- One form, many fundersSent to our network at once
- $100 to $5,000For business use only
Three simple steps
No paperwork piles, no branch visits. Just a short request and a clear answer.
1Tell us what you need
Pick an amount and answer a few questions about your business. It takes about two minutes.
2Funders review your request
Your request goes to the funders in our network at the same time. Each one decides on its own.
3Choose what works for you
If a funder makes an offer, read its agreement and decide. You are never obliged to accept.
$5,000
The most you can ask for
$0
What FundSpring charges you
2 min
To send your request
3 mo+
Time in business, as a guide
Funders look at your sales
not just a credit score
Funding that works as hard as you do
We connect owners with funders who look at your sales, not just a credit score.
Built for small businesses
Advances from $100 to $5,000 for cafés, shops, trades and self-employed owners.
Quick and simple
One short request instead of applying to funders one by one.
Your data, protected
Sent over an encrypted connection. Our Privacy Policy says exactly who sees it.
Always free to use
We never charge you. A funder may pay us if your advance is funded.
What owners use it for
Start my request- 01Restock before a busy seasonFill the shelves before demand arrives, not after.
- 02Repair or replace equipmentAn oven, a van, a compressor — back in service fast.
- 03Cover payroll between payoutsKeep your team paid while card settlements catch up.
- 04Take a bulk-buy discountOrder more when a supplier offers a better price.
- 05Launch a marketing pushFund the campaign that brings the next customers in.
Good to know
Still wondering about something? Our team is here Mon-Fri · 9am-6pm Eastern.
Is a merchant cash advance a loan?
No. A funder pays your business a lump sum today in exchange for a share of its future sales, under a Revenue Purchase Agreement. The cost is a fixed amount agreed up front, not interest, and it is never expressed as an APR.
Does FundSpring fund the advance?
No. FundSpring is a free referral service, not a funder. We pass your request to third-party funders, who decide independently whether to make an offer and set every term.
Who can apply?
US business owners and self-employed operators, 18 or older, usually about 3 months in business with around $1,500 a month in revenue and a business bank account. For commercial use only. Not available in California and New York.
Will checking my options affect my credit?
No. Seeing your options is a soft inquiry and does not affect your credit score. A funder may verify the business, its bank activity and its owner before making an offer, with your consent.
How is an advance paid back?
Usually as a set share of daily or weekly card or bank receipts, or as fixed debits that can be reconciled to actual revenue. The method and your rights are written in the funder's agreement.
Does it cost anything to ask?
Nothing. FundSpring never charges you, before or after. A funder may pay us when a request we pass on results in a funded advance.
Ready to see your options?
It takes about two minutes, it’s free, and it won’t affect your credit score.
FundSpring LLC · Columbus, OH
