Spring Cash's mission is clear: help consumer packaged goods (CPG), food & beverage, and other small and midsize businesses unlock the cash trapped in their invoices. As a New York–based lender specializing in invoice factoring and purchase order (PO) financing, the company enables brands to take on bigger orders, smooth their cash flow, and accelerate growth. Backed by GB Bank UK—whose balance sheet exceeds $2.5 billion—Spring Cash brings modern financing solutions to merchants navigating cashflow constraints and inventory challenges.

But as demand increased, the Spring Cash team faced a familiar pressure point in B2B lending: how to launch and scale underwriting and KYC/KYB processes fast, without sacrificing compliance or control.

The challenge: Launch fast, blend data, stay compliant

Spring Cash set an aggressive target for going live. They wanted to stand up end-to-end onboarding and underwriting in a matter of weeks, not months—so they could begin deploying capital immediately.

Achieving this required orchestrating a complex web of data sources such as Experian commercial data, FICO SBSS, and owner-level checks, all within a unified decisioning flow that could adapt dynamically depending on what information was available.

At the same time, Spring Cash needed to give their risk team independence. Analysts needed the ability to adjust scorecards, run backtests, modify thresholds, and iterate on policies—without relying on engineering or submitting code changes.

And because they operate in a regulated financial environment, KYC/KYB compliance couldn’t be bolted on as an afterthought. Persona KYC integration, centralized manual review, and audit-ready controls were must-haves before the first dollar of funding went out the door.

Oscilar's impact: One platform, unified flows, rapid iteration

To achieve the speed and technical flexibility they needed, Spring Cash implemented Oscilar as their unified decisioning platform—from onboarding all the way through underwriting.

Oscilar became the single orchestration layer linking Persona KYC, CRS bureau data, Experian and FICO inputs, and Spring Cash’s internal scorecards. This gave the team full visibility and governance inside one end-to-end workflow.

With Oscilar’s low-code builder, the Spring Cash risk team configured CRS bearer-token authentication, complex data mapping, blended waterfall logic, and decision tables themselves—no custom engineering required. Knockouts, thresholds, and scorecard updates could be fine-tuned in minutes.

Built-in versioning, explainability, and shadow testing ensured that every update was safe, governed, and fully auditable. Daily stand-ups with Oscilar’s Solutions Architecture team expedited go-live while maintaining compliance rigor.

And Oscilar helped Spring Cash bring their blended scoring strategy to life: prioritizing SBSS when a commercial hit was available, and falling back to business or consumer-level data when needed. This dynamic waterfall preserved decision quality across thin-file or incomplete datasets.

Results: From weeks to production, to funding in under 24 hours

Within weeks, Spring Cash had Persona KYC and CRS endpoints fully integrated and live-tested. They began funding pipelines, including opportunities reaching up to $900K, all through Oscilar’s unified decisioning flow.

Risk iteration sped up dramatically. Scorecards and rules are now updated without code, backtests run instantly, and every change is backed by complete audit trails.

Centralized case management and versioning brought true end-to-end transparency, ensuring that manual reviews focus only on genuine exceptions.

For Spring Cash CEO Tej Singh, the marked a turning point in how Spring Cash operated day to day. After years of stitching together tools and processes to manage onboarding and underwriting, he said the move to Oscilar brought an immediate sense of coherence and speed.

"Oscilar let us unify our onboarding and underwriting process in weeks instead of months. We went from fragmented tools to a single flow that connects KYC, bureau data, and credit decisions end-to-end," Singh shared. "Our risk team can now tweak scorecards in minutes and that agility means we can respond to market opportunities the moment they arise."

From the technical side, Spring Cash CTO Oliver Hamilton watched longstanding friction points dissolve immediately once CRS and Persona were brought into a single decisioning environment. The new setup finally allowed their blended-score waterfall to run the way it was originally designed. Reflecting on the impact, he shared:

"Integrating CRS and Persona inside one workflow was the major unlock. Our blended-score waterfall—combining Experian Intelliscore, FICO SBSS, and owner-level data—finally runs in a system our team controls," said Hamilton. "With Oscilar, we can see every data point, every rule, and every decision reason in one place, which has transformed how we manage risk and scale lending."

What's next for Spring Cash

Spring Cash plans to expand its scorecards across new invoice factoring and PO finance products, refine blended calibration with Experian and FICO, and incorporate bank data and CPG trade data to enhance cash-flow-driven underwriting as the business scales.

And from Oscilar’s side, the partnership exemplifies exactly what modern risk infrastructure should enable. As our Co-founder and CEO Neha Narkhede put it:

"At Oscilar, we’re inspired by customers like Spring Cash who redefine what speed and precision mean in SMB lending. Their drive to go live in weeks pushed us to fine-tune integrations that now benefit the entire ecosystem. This is exactly the kind of collaborative innovation we strive for: where modern risk infrastructure becomes a growth accelerator, not a bottleneck."