• MIN. TIME IN BUSINESS: Min. 7 Months
  • ANNUAL REVENUE: $100,000
  • BORROWING: $2,500-$250,000
  • FUNDING TIME: 1-5 Days
  • CREDIT SCORE: Not the primary focus in approvals

Reliant Funding Reviews 2022 – Details, Ratings, Pros & Cons

  • MIN. TIME IN BUSINESS: Min. 7 Months
  • ANNUAL REVENUE: $100,000
  • BORROWING: $2,500-$250,000
  • FUNDING TIME: 1-5 Days
  • CREDIT SCORE: Not the primary focus in approvals

Best For

Acquiring Equipment To Establish Office


  • 70% approval rate
  • Different payback methods
  • Doesn’t require collateral


  • No transparent price list
  • Services aren’t available for all industries

Reliant Funding is a small business loan company, that has given over $1.5 billion in funds to numerous businesses since its foundation in 2008. The company is recognized by the San Diego Regional Chamber, is included on the Inc. 500 list of fastest-growing companies, and is an official member of the Forbes Finance Council.

Many online Reliant Funding reviews testify to its excellence. It holds an A+ BBB rating and a 4.7-star rating with Trustpilot. The good news for potential customers is that they don’t require any collateral on most loans offered. With a fast, simple, and flexible application process, small business owners can get a short-term capital loan, financing for equipment, or a cash advance in less than 30 seconds.

Reliant Funding loans reviews show that there are definite advantages to using Reliant Funding’s services. Let’s see what Reliant Funding has to offer, concentrating on the following factors:

  • Features of the loan provider
  • Loan application procedure and terms
  • Plans, pricing, and repayment
  • Pros and cons
  • FAQ

Reliant Funding Borrower Requirements & Terms

Here is a complete list of requirements and terms that all borrowers should be aware of:

Feature Data
Minimum time in business 7 months minimum
Credit score required Not the primary focus in approvals
Annual revenue required $100,000
Borrowing amounts range $2,500-$250,000
Borrowing fee Unknown
Origination fee Charged but the amount is unknown
Funding time 1-5 days
Location requirements United States
Bankruptcies No active bankruptcies allowed
Eligible industries 7 eligible industries: retail, auto repair, transportation, franchise, health care, restaurant & bars, and construction
Personal loan guarantee required Yes
Collateral None
APR From 11.5%

Business Loan Plans

Reliant Funding provides its customers with 3 different options: small business loans, merchant cash advance, and equipment financing. See below the descriptions of each.

Small Business Loans

This program is perfect for small business owners who need short-term business loans. Whether it will be used to finance a new project or business expansion, Reliant Funding will be able to help you out.

Short-term working capital loan amounts range between $5,000 and $500,000. To qualify for a loan you need to have at least $10,000 monthly income, and your business should be at least 7 months old. The loan amount of your application will depend on the success rate of your business. Reliant Funding checks your FICO score, but it isn’t a determining factor for approval.

Loan terms vary between 6 to 18 months.

Merchant Cash Advance

This program is a very quick funding process that typically delivers money directly into your bank account by the next day. A loan amount from $2,500 to $250,000 can be offered. To qualify for this loan you’ll need at least 6 months in business existence, $10,000 in sales per month, and no open bankruptcies.

After paying off 50% of your initial cash loan, you can apply for further funding. 2022 Reliant Funding reviews show that 70% of businesses that applied for the merchant cash advance were approved. How you spend this loan is completely up to you, no matter whether you mean to invest it in a project or pay off debt. Reliant Funding user reviews show that the flexibility of the account is a great factor in its favor.

Equipment Financing

In order for your business to grow, you can lease a series of new or used equipment. Items such as software, computers, fixtures, vehicles, POS systems, and office furniture are all part of leasable equipment. This plan allows you to get all the equipment for your business up front from different vendors, while you pay only a fixed amount.

It can take up to 1 month to underwrite equipment financing. Some equipment leases even offer tax benefits to members.

How to Apply for a Business Loan With Reliant Funding?

Applying for a business loan from Reliant Funding takes only 30 seconds. You don’t have to pay anything to apply and have no obligation to accept. Here is a step-by-step guide to the process:

Step 1: Go to the following address www.reliantfunding.com and complete the short questionnaire. Alternatively, you can phone 1-877-850-0998 to speak to a funding specialist or click on the Chat Live icon at the bottom right of the website page.

Step 2: Enter basic information:

  • How long have you been in business?
  • What is your annual revenue?
  • How much money do you need?
  • What’s the name of your business?

Step 3: Then you’ll have to provide your contact details (phone and email)

Step 4: Fill in your name and last name

Step 5: Submit

Step 6: You’ll receive a call and/or message from a Reliant Funding representative to discuss the finer details of your application

Pricing & Repayment

Reliant Funding doesn’t provide any upfront estimates on what their programs cost. Instead, they look at each application individually and work out the cost and payment plan.

There is no fee to apply for business funding, which makes the application process a free quotation service.

The interest rates for their programs aren’t disclosed on the company’s website. Upon inquiry via phone, they’ll be able to determine a fixed cost to give you an idea of the exact amount you would need to pay back. There are no hidden costs and no extra added interest rate later on.

Repaying a merchant cash advance can be done in two simple ways, via credit card or via scheduled automated clearing house (ACH).

Pros Cons
The online application process is extremely quick and easy Services aren’t available for all industries
Reliant Funding has different programs to suit your needs Equipment financing can take up to 1 month
Costs are calculated according to your specific needs No transparent price list provided online
Your credit score isn’t a determining factor
High loan amounts
Different payback methods

Reliant Funding Reviews & Ratings Online

Despite the fact that the website doesn’t offer transparency when it comes to costs, it is clear when looking at Reliant Funding business loan reviews that their services and pricing are satisfactory to current clients. Reliant Funding reviews on BBB are rated as an A+. Most of the complaints made were because previous customers were still receiving advertisements and emails from the company.

Out of 805 reviews on Trustpilot, Reliant Funding has a 4.7-star rating. Reliant Funding reviews on Yelp are mostly positive, and many of them praise the excellent customer service and quick application process.


This small business loan company takes its time to consider specific aspects of each business that applies for a loan. Once the fixed loan amount has been determined, there won’t be any added extras or hidden costs.

Looking at Reliant Funding reviews, it is clear that this company lives up to its 3 main principles: a purposeful customer service culture, offering clients many options, and company leadership. They truly participate in the community by supporting many different organizations including Toys for Tots, the American Cancer Society, and the Michael J. Fox Foundation. This further proves that Reliant Funding online reviews speak the truth when they say that this company genuinely wants to help small business owners and increase economic growth.


Can my business get a loan if I have an active bankruptcy?

Unfortunately, Reliant Funding doesn’t provide any loans for small businesses with an active bankruptcy.

What industries are ineligible to get a business loan?

Reliant Funding only supports 7 eligible industries: retail, auto repair, transportation, franchise, health care, restaurant & bars, and construction. Industries outside of these margins aren’t eligible.

What is the Reliant Funding customer service availability?

You can phone the Sales department between 6 a.m. and 5:30 p.m. (Pacific Time) on 877-850-0998. Client service is available 24/7 on 866-923-7309 or through online inquiry and messenger.

Who is the Reliant Funding business loan best for?

Most Reliant Funding business loan reviews agree that it is best suited for small business owners who need quick cash for running projects and who would like assistance in acquiring equipment to establish an office.

What is the Reliant Funding BBB rating? Is it accredited?

Reliant Funding’s BBB rating is A+. They have not yet been accredited.

Is there a professional service fee?

A service fee is charged, but the amount is undisclosed and, according to Reliant Funding reviews, will only be discussed when potential customers contact customer service.


I am a curiosity-driven creature searching for answers — and questions — in the digital realm. From marketing through online business creation to software tools — I am fascinated by everything that can make life easier. When not looking for meaning, yoga and good food keep me grounded.