Reliant Funding Review

ByBestmoney StaffJan. 07, 2021

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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 MarketplaceDirect lender

Reliant Funding Reliant Funding View Rates


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.

Suitable 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 approvalUndisclosed repayment terms
Loans available in one business dayOnly short-term loans available
No collateral necessaryPrivacy 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 Reliant Funding View Rates

Reliant Funding customer testimonials

ExcellentReviews 910
TrustPilot is the world’s most powerful review platform, free and open to all.
  • author
    3 days ago
    Chris was knowledgeable and answer my…

    Chris was knowledgeable and answer my questions and eased my concern about the payment terms. All and all it was an excellent service


  • author
    Apr 14, 2021
    Very Helpful

    Paul was a great help explaining the process and helping me with the loan.


  • author
    Apr 12, 2021
    Astrid was very helpful

    Astrid was very helpful, we are very pleased with the service provided. Definitely in the future we will use them again


  • author
    Linda Rubio Alvarado
    Apr 07, 2021
    Astrid was so helpful

    Estamos muy contentos con la ayuda de Astrid estubo muy atenta a todas las preguntas y necesidades que teniamos y en un futuro nos gustaria seguir tratando con ella.


  • author
    Apr 04, 2021
    Let me say that I am glad I chose reliant

    Let me say that I am glad I chose reliant. Two years ago I started my business and talked to Kyle at Reliant. And after talking to the same person two years later was nuts lol! I thank you so much for giving me great advice and a couple of years later coming back to reliant. If you need the best customer service and the best product? Go to reliant for your funding needs. I am a small minority business owner and appreciate the support and the excellent products. Thank you Kyle for your professionalism and your candor.


Reliant Funding