How Spring Cash Scaled B2B Funding with Oscilar
10x
faster time-to-live
98%
approved invoices funded within 24h
Acerca de
SpringCash
Spring Cash es un prestamista con sede en Nueva York que se especializa en el factoring de facturas y financiamiento de órdenes de compra (PO) para negocios de bienes de consumo empaquetados (CPG), alimentos y bebidas, y otras pequeñas y medianas empresas. La empresa financia a los proveedores por adelantado y libera el efectivo atascado en las facturas, de modo que las marcas puedan asumir pedidos más grandes, acelerar el crecimiento y facilitar el flujo de caja. Como empresa de servicios financieros B2B, Spring Cash ofrece soluciones de financiamiento innovadoras que ayudan a los comerciantes a superar las restricciones de flujo de caja, evitar la falta de inventario y mantener el crecimiento. Spring Cash cuenta con el respaldo de GB Bank UK, un banco regulado del Reino Unido con un balance general que supera los $2.5 mil millones, entre otros.
Caso de uso/s
Suscripción de Crédito
KYC/KYB
Blended Scoring
Industria
Servicios Financieros
Visita su sitio web
↗
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.
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 48 48" xmlns="http://www.w3.org/2000/svg"><g d="M 46.882 24.345 L 35.413 24.345 C 34.868 24.345 34.402 24.74 34.323 25.269 C 34.141 26.487 33.841 27.656 33.453 28.763 C 32.117 32.604 29.651 35.774 26.545 37.726 L 26.577 37.726 C 26.577 37.726 35.2 37.505 38.085 28.763 L 38.085 28.763 L 42.677 28.763 C 40.772 34.24 36.591 38.351 31.501 39.505 C 30.56 39.718 29.596 39.829 28.6 39.829 C 26.988 39.829 25.439 39.536 23.984 38.991 C 19.684 37.386 16.207 33.6 14.523 28.755 C 14.128 27.641 13.835 26.471 13.654 25.261 C 13.575 24.724 13.108 24.337 12.563 24.337 L 1.11 24.337 C 0.438 24.337 -0.084 24.937 0.011 25.601 C 0.161 26.684 0.383 27.735 0.675 28.763 C 3.181 37.734 10.611 44.247 19.368 44.255 C 15.108 42.808 8.445 38.769 5.307 28.763 L 5.307 28.763 L 5.307 28.763 L 9.899 28.763 C 11.101 33.047 13.424 36.786 16.483 39.505 C 18.665 41.449 21.218 42.88 24 43.638 C 25.478 44.041 27.027 44.255 28.616 44.255 C 37.382 44.255 44.819 37.734 47.325 28.763 C 47.609 27.743 47.831 26.684 47.989 25.601 C 48.084 24.937 47.562 24.337 46.89 24.337 Z M 1.11 19.918 L 12.579 19.918 C 13.124 19.918 13.59 19.523 13.669 18.993 C 13.851 17.776 14.152 16.606 14.539 15.5 C 15.875 11.658 18.333 8.489 21.431 6.537 L 21.407 6.537 C 21.407 6.537 12.784 6.758 9.899 15.5 L 9.899 15.5 L 5.307 15.5 L 5.307 15.5 C 7.204 10.022 11.393 5.904 16.475 4.75 C 17.416 4.537 18.38 4.426 19.376 4.426 C 20.989 4.426 22.538 4.719 23.992 5.264 C 28.292 6.869 31.77 10.655 33.453 15.5 L 33.453 15.5 L 33.453 15.5 C 33.848 16.614 34.141 17.784 34.323 18.993 C 34.402 19.531 34.868 19.918 35.413 19.918 L 46.882 19.918 C 47.554 19.918 48.076 19.318 47.981 18.654 C 47.831 17.579 47.609 16.519 47.317 15.492 C 44.819 6.529 37.374 0 28.608 0 C 32.868 1.446 39.539 5.478 42.685 15.5 L 42.685 15.5 L 38.093 15.5 L 38.093 15.5 L 38.093 15.5 C 36.899 11.208 34.568 7.477 31.509 4.75 C 29.327 2.806 26.774 1.383 24 0.617 C 22.514 0.213 20.973 0 19.384 0 C 10.611 0 3.173 6.529 0.675 15.5 L 0.675 15.5 L 0.675 15.5 C 0.391 16.527 0.169 17.579 0.011 18.661 C -0.084 19.325 0.438 19.926 1.11 19.926 Z" fill="transparent" height="44.254853622795224px" id="Oy3B2G02e" transform="translate(-0.003 1.875)" width="48px"><path d="M 46.882 0.008 L 35.413 0.008 C 34.868 0.008 34.402 0.403 34.323 0.933 C 34.141 2.15 33.841 3.32 33.453 4.426 C 32.117 8.268 29.651 11.437 26.545 13.389 L 26.577 13.389 C 26.577 13.389 35.2 13.168 38.085 4.426 L 38.085 4.426 L 42.677 4.426 C 40.772 9.904 36.591 14.014 31.501 15.168 C 30.56 15.381 29.596 15.492 28.6 15.492 C 26.988 15.492 25.439 15.2 23.984 14.654 C 19.684 13.05 16.207 9.264 14.523 4.418 C 14.128 3.304 13.835 2.134 13.654 0.925 C 13.575 0.387 13.108 0 12.563 0 L 1.11 0 C 0.438 0 -0.084 0.601 0.011 1.265 C 0.161 2.348 0.383 3.399 0.675 4.426 C 3.181 13.397 10.611 19.91 19.368 19.918 C 15.108 18.472 8.445 14.433 5.307 4.426 L 5.307 4.426 L 5.307 4.426 L 9.899 4.426 C 11.101 8.71 13.424 12.449 16.483 15.168 C 18.665 17.112 21.218 18.543 24 19.302 C 25.478 19.705 27.027 19.918 28.616 19.918 C 37.382 19.918 44.819 13.397 47.325 4.426 C 47.609 3.407 47.831 2.348 47.989 1.265 C 48.084 0.601 47.562 0 46.89 0 Z" fill="rgb(20, 20, 20)" height="19.91824092137921px" id="Hl4ydHRG3" transform="translate(0 24.337)" width="48.00000000004601px"/><path d="M 1.11 19.918 L 12.579 19.918 C 13.124 19.918 13.59 19.523 13.669 18.993 C 13.851 17.776 14.152 16.606 14.539 15.5 C 15.875 11.658 18.333 8.489 21.431 6.537 L 21.407 6.537 C 21.407 6.537 12.784 6.758 9.899 15.5 L 9.899 15.5 L 5.307 15.5 L 5.307 15.5 C 7.204 10.022 11.393 5.904 16.475 4.75 C 17.416 4.537 18.38 4.426 19.376 4.426 C 20.989 4.426 22.538 4.719 23.992 5.264 C 28.292 6.869 31.77 10.655 33.453 15.5 L 33.453 15.5 L 33.453 15.5 C 33.848 16.614 34.141 17.784 34.323 18.993 C 34.402 19.531 34.868 19.918 35.413 19.918 L 46.882 19.918 C 47.554 19.918 48.076 19.318 47.981 18.654 C 47.831 17.579 47.609 16.519 47.317 15.492 C 44.819 6.529 37.374 0 28.608 0 C 32.868 1.446 39.539 5.478 42.685 15.5 L 42.685 15.5 L 38.093 15.5 L 38.093 15.5 L 38.093 15.5 C 36.899 11.208 34.568 7.477 31.509 4.75 C 29.327 2.806 26.774 1.383 24 0.617 C 22.514 0.213 20.973 0 19.384 0 C 10.611 0 3.173 6.529 0.675 15.5 L 0.675 15.5 L 0.675 15.5 C 0.391 16.527 0.169 17.579 0.011 18.661 C -0.084 19.325 0.438 19.926 1.11 19.926 Z" fill="rgb(20, 20, 20)" height="19.926144985236892px" id="Jt1DMWCge" transform="translate(0 0)" width="47.99209593618835px"/></g></svg>)
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
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 48 48" xmlns="http://www.w3.org/2000/svg"><g d="M 0 48 L 0 0 L 48 0 L 48 48 Z M 44.447 0 L 3.544 0 C 1.584 0 0 1.547 0 3.459 L 0 44.531 C 0 46.444 1.584 48 3.544 48 L 44.447 48 C 46.406 48 48 46.444 48 44.541 L 48 3.459 C 48 1.547 46.406 0 44.447 0 Z M 14.241 40.903 L 7.116 40.903 L 7.116 17.991 L 14.241 17.991 Z M 10.678 14.869 C 8.391 14.869 6.544 13.022 6.544 10.744 C 6.544 8.466 8.391 6.619 10.678 6.619 C 12.956 6.619 14.803 8.466 14.803 10.744 C 14.803 13.013 12.956 14.869 10.678 14.869 Z M 40.903 40.903 L 33.787 40.903 L 33.787 29.766 C 33.787 27.113 33.741 23.691 30.084 23.691 C 26.381 23.691 25.819 26.588 25.819 29.578 L 25.819 40.903 L 18.712 40.903 L 18.712 17.991 L 25.537 17.991 L 25.537 21.122 L 25.631 21.122 C 26.578 19.322 28.903 17.419 32.362 17.419 C 39.572 17.419 40.903 22.163 40.903 28.331 L 40.903 40.903 Z" fill="transparent" height="48px" id="adFk4VB3K" width="48px"><path d="M 0 48 L 0 0 L 48 0 L 48 48 Z" fill="transparent" height="48px" id="DghPi7XP3" width="48px"/><path d="M 44.447 0 L 3.544 0 C 1.584 0 0 1.547 0 3.459 L 0 44.531 C 0 46.444 1.584 48 3.544 48 L 44.447 48 C 46.406 48 48 46.444 48 44.541 L 48 3.459 C 48 1.547 46.406 0 44.447 0 Z M 14.241 40.903 L 7.116 40.903 L 7.116 17.991 L 14.241 17.991 Z M 10.678 14.869 C 8.391 14.869 6.544 13.022 6.544 10.744 C 6.544 8.466 8.391 6.619 10.678 6.619 C 12.956 6.619 14.803 8.466 14.803 10.744 C 14.803 13.013 12.956 14.869 10.678 14.869 Z M 40.903 40.903 L 33.787 40.903 L 33.787 29.766 C 33.787 27.113 33.741 23.691 30.084 23.691 C 26.381 23.691 25.819 26.588 25.819 29.578 L 25.819 40.903 L 18.712 40.903 L 18.712 17.991 L 25.537 17.991 L 25.537 21.122 L 25.631 21.122 C 26.578 19.322 28.903 17.419 32.362 17.419 C 39.572 17.419 40.903 22.163 40.903 28.331 L 40.903 40.903 Z" fill="rgb(20, 20, 20)" height="48px" id="Qi9pnIQwR" width="48px"/></g></svg>)
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 48 48" xmlns="http://www.w3.org/2000/svg"><path d="M 34.653 0 L 41.4 0 L 26.659 16.847 L 44 39.772 L 30.422 39.772 L 19.788 25.868 L 7.62 39.772 L 0.869 39.772 L 16.635 21.752 L 0 0 L 13.922 0 L 23.535 12.709 Z M 32.285 35.734 L 36.023 35.734 L 11.891 3.826 L 7.879 3.826 Z" fill="rgb(20, 20, 20)" height="39.77194px" id="A8r2uGwai" transform="translate(2 3.808)" width="44px"/></svg>)
