How Spring Cash Scaled B2B Funding with Oscilar
10x
faster time-to-live
98%
approved invoices funded within 24h
Acerca de
SpringCash
Spring Cash is a New York–based lender specializing in invoice factoring and purchase order (PO) financing for CPG, food & beverage, and other small and midsize businesses. The company funds suppliers upfront and unlocks cash tied up in invoices, so brands can take on bigger orders, accelerate growth, and smooth cash flow. As a B2B financial services company, Spring Cash offers innovative financing solutions that help merchants overcome cashflow constraints, avoid inventory shortages, and sustain growth. Spring Cash is backed by GB Bank UK, a regulated UK bank with a balance sheet exceeding $2.5 billion, and others.
Caso de uso/s
Suscripción de Crédito
KYC/KYB
Blended Scoring
Industria
Financial Services
Visita su sitio web
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The Challenge
Launch Fast to First Funding
Spring Cash set an aggressive go-live goal: standing up onboarding (KYC/KYB) and underwriting in weeks to begin deploying capital immediately.
Blend Multiple Data Sources
The team needed to orchestrate Experian commercial data, FICO SBSS, and owner-level checks within a unified flow, dynamically adapting based on data availability.
Empower Risk without Heavy Engineering
They wanted risk teams to iterate policies, run backtests, and adjust scorecards without engineering sprints or code changes.
Compliance-Ready KYC/KYB
Persona KYC integration and centralized manual reviews were critical to ensure audit-ready workflows and eliminate tool swivel.
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Oscilar's Impact
Unified onboarding-to-underwriting, fast iteration, and lender-grade controls
Unified Decisioning Platform
Spring Cash implemented Oscilar as a single orchestration layer connecting onboarding through underwriting. Persona KYC, CRS bureau data, and scorecards were unified within one workflow for complete visibility and governance.
Low-Code Speed with Flexibility
Oscilar’s low-code builder handled CRS bearer-token authentication, Experian and FICO data mapping, and decision logic without custom code. Risk teams could configure knockouts, thresholds, and blended score waterfalls directly.
Governance and Testing Built-In
Versioning, explainability, and shadow testing enabled safe iteration. Daily stand-ups with Oscilar’s SA team accelerated go-live while maintaining compliance rigor.
Blended Waterfall Logic
Oscilar implemented Spring Cash’s scoring strategy: prioritizing SBSS where a commercial hit exists, otherwise falling back to business or consumer scores using configurable decision tables and scorecards.
"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."
Tej Singh
CEO
Spring Cash
Results
Weeks, not quarters, to production
Persona KYC and CRS endpoints were integrated and live-tested in weeks. Spring Cash began funding pipelines, including opportunities up to $900K, through Oscilar’s end-to-end decisioning flow.
"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. Our risk team can now tweak scorecards in minutes and that agility means we can respond to market opportunities the moment they arise." —Tej Singh, CEO, Spring Cash
Faster Risk Iteration
The risk team now updates scorecards and rules without code, runs backtests, and deploys changes with full audit trails.
End-to-End Auditability
Centralized case management and versioning provide complete transparency from input to decision, keeping manual review focused on true exceptions.
"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. 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." —Oliver Hamilton, CTO, Spring Cash
"Their drive to go live in weeks pushed us to fine-tune integrations that now benefit the entire ecosystem."
Neha Narkhede
Co-founder & CEO
Oscilar
What's next
Spring Cash will extend its scorecards across new invoice factoring and PO finance products, refine blended calibration with Experian and FICO, and layer bank and CPG trade data to enhance cash-flow-driven underwriting as they scale.
"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." —Neha Narkhede, Co-founder & CEO, Oscilar
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