Reliant Funding Review

ByTop10 StaffJan. 30, 2020

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In a Nutshell

Reliant Funding is a smart choice for small businesses looking for a short-term loan, merchant cash advances or equipment financing solutions. The quick and simple application process helps businesses needing to balance cash flows or exploit a growth catalyst receive approval in just a few hours.


  • Quick application and approval
  • Loans available in one business day


  • Only short-term loans available
  • Privacy policy could be expanded

Reliant Funding at a Glance

Loan typesSmall business loans, merchant cash advances, equipment financing
Loan amountVariety of customizable finance options
Repayment terms3 to 24 months for small business loan, 18 to 60 months for equipment financing
Minimum credit scoreNone
Minimum monthly revenue$10,000
Time until funding3 to 5 business days
Direct Lender or Marketplace
Direct lender


Reliant Funding operates with the goal of providing businesses with the funding they need to grow. The company prides itself on its high approval rate, as well as its fast and reliable funding. Loans are often approved within several hours and financing can often be made available the next business day. Reliant Funding provides small business loans, merchant cash advances, and equipment funding and leasing. Clients can allocate their borrowings however they see fit, and no collateral is needed when accepting financing from Reliant Funding. While not a lot of information is offered on the site as far as interest rates and payment plans, the company works hard to adapt to the many challenging financing needs its wide-ranging clientele exhibit.

Best for?

  • Businesses needing quick, next-day funds 

Receiving an estimate and applying for a small business loan on the Reliant Funding website is easy and only takes a few minutes. The company can approve loans within hours, and disburse funds as quickly as next day. This enables borrowers to cover gaps in cash flow, handle monthly expenses, or use the financing for other activities like expansion and growth. With a simple application, businesses needing short-term funds can receive them within very short turnaround times. 

  • Businesses requiring help to finance new equipment 

Companies can lease new or used equipment that they need to help their business grow. Businesses demanding anything from computers, furniture, vehicles, and more, can receive the funds needed in just a few days thanks to Reliant Funding’s quick equipment financing application.

Loan Features

Customers can enjoy a wide range of adaptable financing solutions thanks to Reliant Funding. The company offers several loan alternatives that are designed to fit a business’ unique needs. Reliant provides short-term loans, merchant cash advances, and equipment financing to prospective borrowers, empowering companies to embark on any number of activities related to cash flow or growth. The company also process applications quickly, with most businesses receiving answers in just a few hours. Those seeking small business loans are eligible to receive funds as quickly as the next business day, while applicants seeking equipment financing can access their borrowing in just 3 to 5 business days. Reliant Funding is exceptionally flexible when it comes to repayment and can create a host of accommodating payment terms to match the specific needs of its clients. Requesting a quote is obligation-free, and customers who have applied are not forced to select a loan. While the company delivers many funding options and repayment terms, specific information such as payment cycles and interest payments cannot be seen until prospective borrowers have submitted an application. 

Highlights for Reliant Funding

  •  Multiple financing solutions 
  • Applications are obligation-free 
  • Approval arrives as quickly as a few hours 
  • Most loans received the next business day 
  • Wide range of loans available 
  • Over 70% of applicants approved 
  • Accepts weaker credit scores 
  • Flexible repayment alternatives

The Application Process

Borrowers can apply for a loan with Reliant Funding directly online. The company’s initial application is obligation free and simply requests basic details during the first steps including contact information and straightforward financial data. Once a quote has been received and accepted, customers must meet the company’s application requirements for approval. 

These include: 

  • Business owned by the applicant for a minimum of 12 months (though in some cases exceptions can be made for 7 to 11 months) 
  • Sales of at least $100,000 per year, or $10,000 per month 
  • No open bankruptcies 
  • No significant judgments and liens without a payment plan 

The company appraises a company’s full health as opposed to simply evaluating the relevant credit scores, boasting a 70% approval rating.

Loan Terms - Fast and Easy Loans

Customers that have selected Reliant Funding can choose from a variety of loans to meet their specific financing needs. The company offers short-term loans, merchant cash advances, and equipment financing that are designed to help cover a range of different business activities. Reliant Funding usually disburses funds in a single business day, and approvals take as little as a few hours. The only exception is for equipment financing, which requires 3 to 5 days for funding to be distributed. The company provides funding that starts as low as $5,000 and ranges as high as $500,000. Reliant Funding does not place any restrictions on how the borrowed funds should be used. The company’s short-term loans are free for use alongside equipment financing which is available for purchases that may include software, computers, vehicles, furniture, or POS systems. Merchant cash advances are available as well, and the company enables borrowers to access additional funds if they have repaid at least 50% of their outstanding balance. Reliant also allows customers to choose how they prefer to pay: either as a percentage of daily sales made with credit cards or via a pre-determined amount automatically withdrawn daily.

Repayment Terms

We would have liked to see more information readily available on their website, but Reliant Funding focuses on offering companies short-term financing. The company’s short-term loans range from as little as 3 months to 2 years whereas equipment financing loans range from 18 to 60 months. Merchant cash advances are calculated on a revolving basis, and are also meant to be repaid within a short-term repayment timeframe.

How Safe Is It?

Per the company’s Privacy Policy, Reliant Funding maintains that it takes the necessary steps to protect its customer's private information. The company is transparent about the data it collects and how it is used. Reliant Funding does not sell customer information, though the company may disclose it if compelled. We would have liked to see more details about the company’s security measures, but they do employ industry-standard safety and encryption methods to protect sensitive customer data.

Help & Support

Customers can reach Reliant Funding via email and telephone should any questions or problems arise. The company’s phone center can be reached from 6:00 AM to 5:30 PM Pacific Time. To help individuals tackle more basic inquiries, the company also hosts a strong FAQ section which provides a basic information pertaining to its services. Overall, service agents were readily able to answer all our questions comprehensively and promptly.

Deep Dive into Pros and Cons

Quick application and approval
Undisclosed repayment terms
Loans available in one business day
Only short-term loans available
No collateral necessary
Privacy policy could be expanded
Most applicants approved

 The company delivers several advantageous benefits, but Reliant Funding could improve some areas of its business. The company does not list interest rates or repayment terms directly, which are vital for businesses undergoing the decision-making process. The company’s privacy policy could also expand upon the security measures taken to ensure user’s sensitive information is kept safe. Moreover, Reliant Funding only offers short-term financing solutions, limiting customers’ repayment options in some cases. Even with these minor drawbacks, there were several notable highlights we uncovered during our research. We were pleased with the quick application process and the fast approval rate which empowers customers to access the necessary financing quickly. The company also does not require collateral for any of its loans. Moreover, we were impressed with Reliant Funding’s high approval rating and friendly requirements. Finally, we appreciated the company’s more holistic approach to determining a business’s creditworthiness instead of just focusing on the most standard metrics.


Reliant Funding is a good choice for small businesses facing a range of financing needs that could be covered by short-term loans, merchant cash advances, and equipment financing solutions. The quick and simple application helps businesses receive approval in just a few hours. When taken in tandem with quick financing turnaround and flexible repayment options, Reliant Funding stands out as a great option for companies needing to balance cash flows or exploit a growth catalyst. Overall, Reliant is an intriguing alternative for businesses who may suffer from weaker credit histories but exhibit strong financial results.

Physical Address


9540 Towne Centre Drive 

Suite 200

 San Diego, CA 92121 


225 W. 34th St. 

Suite 406 

New York, NY 10122 


525 Broadhollow Road 

Suite 200 

Melville, NY 11747

Reliant Funding customer testimonials

ExcellentReviews 873
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  • author
    Immaculate Residential & Comme
    12 hours ago
    Astrid was Super helpful & took a huge stress off my shoulders

    Astrid helped me to get an advance when I was struggling to make payroll while I was waiting for a substantial amount to come in from billing. She was super friendly and personable and she worked really hard to get me the money ASAP, as I was on a deadline. I will definitely continue to use her for any financial needs I have from now on. I really appreciate her help. It took a huge weight and burden off my shoulders. Thanks Astrid!


  • author
    Oct 12, 2020

    Great service and timely


  • author
    arthhuro rios
    Oct 08, 2020

    They were very helpful and I got a reply from them quick.


  • author
    Oct 02, 2020
    Although I am dissatisfied

    Although I am dissatisfied, I'm still giving them 3 stars because they have the potential to be better. I could have just complained and given them 1 star but that would not be fair since it was not my entire experience that was poor. But the lost two stars is pretty important. Long story short, I was looking for a business loan of about $25k. My business is a year old, has almost no debt, no negative records of any kind, and has had money coming in, in recent months. In fact my business has grown. Also, personally I have a decent credit score (mid 7's) and almost no personal debt. While I may not have been an ideal candidate for a loan, I am informed when it comes to loans and credit, and there is no inherent reason I wouldn't qualify for at least some type of offer. But (and here is where things went off the rails and the company needs to do better), the moment I was "declined", the warm and fuzzy relationship I had cultivated with the account rep to this point, vanished. The familiar emails and texts were gone. On top of it, I didn't even get an explanation, "hey if you can work on this in the next 90 days, you'll have a better chance, because our underwriters were looking for ...". But nothing. Customer service isn't just reeling them in and closing. Customer service isn't what happens when things work right. Customer service is genuine caring and communication. So 2 stars for a simple process of getting the ball rolling, 1 more star for an account rep who clearly knows how to be helpful, and 2 lost stars for the "dropped like a hot potato" feeling with which I am left. I'm guessing this company can do better. But for me, right now, I would not recommend them to anyone I know.


  • author
    Sep 29, 2020
    Outstanding service

    Outstanding service. Super fast.