| Takeaway | What It Means |
| 💵 MCA Specialist | Reliant Funding’s core product is the merchant cash advance, reported from $5,000 to $2,000,000, repaid through debits that land daily or weekly. |
| 📊 Factor-Rate Pricing | Reported factor rates run 1.10 to 1.50 plus a $495 origination fee; a $50,000 advance at 1.25 repays $62,995 all-in. |
| 🏪 Marketplace Alternative | United Capital Source, a full-service concierge business funding marketplace, puts one application in front of 80+ lenders. |
| 🕐 Fast, Not Cheap | Approval can land within hours and money within one business day; the trade-off is cost. |
| 🔑 Accessible Floors | Published minimums sit near a 500 to 525 personal credit score with modest revenue and time-in-business requirements. |
| 🏢 New Ownership | The LCF Group acquired Reliant Funding’s strategic assets and licensing rights in September 2023; check the entity on your agreement. |
| ⭐ Mixed Reviews | Trustpilot ratings moved from 4.8 in 2022 to 3.1 in January 2026, against a C- BBB profile. |
An independent look at Reliant Funding’s merchant cash advances — factor rates from 1.10, funding in as fast as one business day, and what the reviews show.
| Signal | Detail |
| Primary product | Merchant cash advances; per Forbes Advisor, currently the only active line |
| Funding range | $5,000 to $2,000,000 reported (Finder lists a $2,000 minimum) |
| Factor rates | 1.10 to 1.40 in legacy disclosures; between 1.2 and 1.5 per Finder’s February 2026 data; $495 origination fee |
| Funding timeline | Approval within hours in some cases; funding within one business day in many cases |
| Credit floor | Reported between 500 and 525 personal FICO, depending on the source and reading date |
| Repayment | Daily or weekly ACH debits, or a card-sales holdback; a prepayment discount has been reported |
| Ownership | Strategic assets and licensing rights acquired by The LCF Group on September 18, 2023 |
Fast funding is usually the reason a business owner ends up at Reliant Funding: a dead generator, a supplier deposit, payroll arriving before receivables. Reliant Funding built its name on closing that gap, and this review examines what that promise costs today.
Reliant Funding is a San Diego-based company, founded in 2008, that specializes in the merchant cash advance. An advance is not a loan: the company purchases a slice of your future revenue at a fixed multiple, called a factor rate, and collects through debits drawn daily or weekly. Since September 2023, its strategic assets and licensing rights have belonged to The LCF Group, a New York funding company.
Since 2011, United Capital Source, a full-service concierge business funding marketplace, has helped more than 40,000 small businesses access over $1.6 billion through a network of 80+ lenders. We profile providers like Reliant Funding so owners can weigh a single option against a marketplace comparison. Below: products, real costs, requirements, reviews, and alternatives.
Below, we’ll answer the following questions and more:
Reliant Funding is a San Diego-based provider that has specialized in merchant cash advances since 2008. It is a legitimate, established provider: Finder’s February 2026 profile reports over $3 billion facilitated for roughly 30,000 companies nationwide. However, earlier disclosures cited $1.5 billion, so the running total depends on the reading date. It funds directly rather than matching borrowers across a network, which is why a decline there means starting over somewhere else.
The record is not spotless. Better Business Bureau files note a California government action over advertising the regulator characterized as deceptive, false, or misleading, with a $250,000 fine paid. Separately, Finder reports that in May 2021 the company settled with California’s financial regulator, the DFPI, over a missed mandatory annual report. Both matters are dated and resolved; please note them before you hand over the bank statements.
On September 18, 2023, The LCF Group, a New Hyde Park, New York provider specializing in subprime merchant funding, announced it had acquired select strategic assets and licensing rights from Reliant Funding. LendingTree’s February 2026 review describes Reliant as a division of The LCF Group. The practical point is contractual: read which legal entity is named on your agreement, because that is the company that services your account, holds your file, and handles any dispute. Ownership changes in this industry routinely move servicing to a different name than the brand on the website.
Reliant Funding’s active product line today centers on one offering: the merchant cash advance. The website still lists lines of credit, bridge loans, SBA loans, and equipment financing, but a company representative told Forbes Advisor that merchant cash advances are currently the only product being written. Treat the fuller menu as historical until a representative confirms otherwise for your file.
A merchant cash advance (MCA) purchases a fixed dollar amount of your future revenue today. Reported sizes run from $5,000 up to $2,000,000, with Finder listing a $2,000 minimum, and contract lengths from two to 24 months. Payment is automatic: either ACH debits drawn daily or weekly from the business account, or a holdback percentage of daily card sales for card-heavy operations. You pay the same total either way.
The holdback structure has one genuine advantage for seasonal businesses. A San Diego restaurant we worked with took a $40,000 advance in December and repaid it through a percentage of its credit card sales; when February slowed, its daily remittance dropped with revenue, rather than hitting the account as a fixed debit. A prepayment discount has also been reported; request it in writing.
A factor rate multiplies your advance amount to set the full repayment obligation upfront. Reliant Funding does not publish pricing; you learn your factor after applying. Legacy disclosures put the range at 1.10 to 1.40, while Finder’s February 2026 figures put it between 1.2 and 1.5, plus a $495 origination fee. There is no compounding interest, but there is also no benefit to time: the full fee is owed whether you repay in month two or month twenty, unless a prepayment discount is negotiated upfront.
Run the math before signing anything. A Trenton, New Jersey auto repair shop took a $50,000 advance at a 1.25 factor in March: $50,000 times 1.25 equals $62,500 to repay, and the $495 origination fee brings the all-in obligation to $62,995. That is $12,995 you pay above the advance, 26%, before annualizing.
Annualizing is where factor pricing bites. Spread over 12 months of debits drawn daily, that 26% charge works out to an estimated effective APR in the mid-40s. Compress the same contract into 9 months, as the Trenton shop’s terms did, and the estimate climbs past 60%. Compare that against what the Federal Reserve’s Small Business Credit Survey reports for bank loan pricing, and the premium for speed becomes explicit, which is the point of the calculation.
Worked Example: $50,000 Advance at a 1.25 Factor
| Line Item | Amount |
| Advance received | $50,000 |
| Factor rate | 1.25 |
| Repayment obligation (advance × factor) | $62,500 |
| Origination fee | $495 |
| All-in cost of capital | $62,995 ($12,995 above the advance) |
| Estimated effective APR, 12-month daily repayment | ~45% |
| Estimated effective APR, 9-month daily repayment | ~60%+ |
Reliant Funding’s requirements sit near the accessible end of the market, which is much of its appeal to borrowers with low credit scores. Published minimums vary by source, so treat them as ranges: a personal credit score between 500 and 525, revenue of roughly $6,000 per month or $60,000 per year, and three to six months in business. Sole proprietors and LLC owners qualify on the same terms, provided they have a dedicated business bank account in good standing and no active bankruptcy.
Revenue matters more than the score here, as an MCA is a form of revenue based financing. Underwriting for advances weighs deposit consistency and cash flow over personal credit, which is how a Charleston food truck operator with a 540 FICO and $9,000 in monthly deposits was approved within hours and funded $25,000 inside two days last June to replace a dead generator before festival season. Bad credit narrows your pricing, not necessarily your access.
For context, the lowest accessible floor across the United Capital Source network is a 475+ FICO through equipment financing and advance paths, so borrowers declined at one provider still have room to qualify elsewhere. Each provider sets its own floor.
The small business loan application process is built for speed. Reliant Funding typically offers funding within 1-5 days after application. Funding can be available within 24 hours after approval.
The application process can be completed online. Follow these steps to apply:
The web form does not ask for much information: your company name, time in operation, revenue by month and year, the amount requested, and contact details. It takes minutes and no documents.
An account manager calls, usually within hours, to walk through options and finish the application. This call is a mandatory part of the process. Ask the manager to explain the factor rate, the origination fee, the payment schedule, and any prepayment discount, and request every number in writing.
Successful applicants typically supply recent bank statements, a voided business check, a copy of the owner’s driver’s license, and a credit check authorization before the process moves to funding.
Read the agreement for the total you will pay, the entity named as your counterparty, charges beyond the factor, and any clause restricting other borrowing while the advance is open. If a term on the call is missing from the contract, the contract wins.
Once signed, quick funding is the norm: approval can convert to a deposit within one business day, and the first payment draws on the schedule in your agreement shortly after.
Customer sentiment diverges sharply by platform and by year, and the divergence is itself the signal. Positive experiences dominate Trustpilot, where customers thank account managers by name for fast, knowledgeable service. The negative reviews cluster around cost, marketing volume, and contract fine print rather than whether funding arrived.
The numbers tell the timeline. Trustpilot readings sat near 4.8 across 1,200+ ratings in 2022, while Finder verified a 3.1 across roughly 1,437 ratings in January 2026. The BBB profile shows no accreditation, a C- rating, and a customer score near 1.3, along with the government action record above. Same company, three platforms, three different pictures.
Here is how to read the spread. Invited reviews are typically collected right after funding, so they measure the application experience: fast approval, helpful staff, positive first impressions. The repayment experience, where the payment schedule meets real cash flow, shows up months later in the one-star tail and in BBB complaints. Some reviewers describe the marketing follow-up as pretty bad, with persistent calls and emails after a single quote request. Read both ends before you decide, and weigh feedback dated after the 2023 ownership change most heavily.
Reliant Funding Ratings by Platform (dated readings)
| Platform | Reading |
| Trustpilot (2022 reading) | 4.8 / 5, 1,200+ ratings |
| Trustpilot (verified Jan 2026, Finder) | 3.1 / 5, ~1,437 ratings |
| BBB | C- rating, not accredited, ~1.3 / 5 customer score |
| Google (historical reading) | ~4.5 / 5, partly skewed by same-name confusion |
The trade is straightforward once the worked example is in front of you: access and price and contract rigidity sit opposite access and pace. The benefit of a purchased advance is that approval keys on revenue; the cost is that the full factor obligation exists from day one. The deciding question is whether the money earns more than you pay for it in the window you need it.
| Pros | Cons |
| Funding within one business day is achievable for approved files | All-in cost far above bank pricing; ~45% estimated effective APR on the 12-month example |
| Credit floors near 500 to 525 accept borrowers most banks decline | Pricing is not published; the factor rate arrives only after you apply |
| Revenue-weighted underwriting suits strong-deposit, weak-credit files | A $495 origination fee stacks on top of the factor obligation |
| Card-holdback repayment flexes with sales for seasonal businesses | Daily payment draws can strain cash flow in weak weeks on ACH contracts |
| Dedicated account managers draw consistent customer praise | Reviewers cite heavy marketing follow-up and contract fine print to check |
| Prepayment discount reported for early payoff | Single product line: a decline or a non-MCA need means starting over elsewhere |
Start with the structure, not the brand. Merchant cash advances fit a short, revenue-backed, this-week need; they are the wrong tools for long-lived equipment or a planned expansion, where cheaper business loans are available. Funding options that are not Reliant Funding include business term loans, a business line of credit for recurring gaps, equipment financing, invoice factoring, and SBA loans for owners who can wait weeks in exchange for the pricing traditional lenders reserve for strong files.
The marketplace route changes the comparison. Through United Capital Source, one application reaches 80+ lenders providing funding across these financing options, spanning small business loans, term loans with fixed interest rates, and revenue-based advances. A Tampa HVAC contractor holding a 1.30 factor quote in January priced it against a 14-month term loan surfaced through the network and signed the cheaper structure with numbers on paper. If one lender declines, we already have the packaged file ready to move to the next fit, so nobody has to restart paperwork or retell their story.
Moving fast does not require giving up the comparison. A Long Island retailer, declined by its bank in November, submitted one application and was funded with $75,000 through a revenue-based path in three business days. Small businesses in a time crunch can still see two or three structures side by side before signing.
Reliant Funding is a legitimate, fast, accessible provider whose product requires a calculated price, not an assumed one. The positive experiences customers report are consistent and credible; so are the dated regulatory record, the divergent ratings, and the pricing math above.
Verify the current terms and the contracting entity directly, since the 2023 ownership change and shifting scores mean this profile is moving. Based on user reviews and our experience working with Reliant Funding, we rate the company at 3.75 out of 5. The company is an excellent option for merchant cash advances, but the lack of funding options holds it back.
A good fit: small business owners holding a genuine 24-to-72-hour need, steady deposits, credit near the 500s, and a plan that earns more than the factor costs. A poor fit: anyone funding long-lived assets, anyone who cannot absorb debits drawn daily in a weak week, and anyone who has not compared at least one alternative quote. Our recommendation comes only after that comparison; one marketplace application runs it inside the same funding window.
| “Fast funding is a real product, and companies like Reliant have built real businesses on it. What I tell owners is that moving fast and comparing offers are no longer opposites. One application can put your file in front of eighty-plus lenders in the same window a single provider takes to fund you, and the quote you sign should win because it was compared, not because it arrived first.”
— Jared Weitz, CEO and Founder of United Capital Source |
Yes. Reliant Funding has operated since 2008, and many customers report positive experiences with its account managers. Weigh that against a C- BBB profile, a dated regulatory record, and unpublished pricing before applying.
It funds files directly rather than matching borrowers across a network; since September 2023, its strategic assets and licensing rights have belonged to The LCF Group. Check the legal entity named on your agreement.
Published minimums vary by source: a personal credit score between 500 and 525, roughly $6,000 a month in revenue or $60,000 a year, three to six months in business and, in most cases, a dedicated business bank account and no active bankruptcy.
Often, yes. Underwriting weighs deposits and cash flow over personal credit, so borrowers with low credit scores but steady revenue are the core customer; expect the factor rate to price the risk.
The provider purchases a fixed amount of your future revenue at a multiple called a factor rate, then collects it through recurring daily or weekly debits until you repay the full obligation.
No. Reliant Home Funding is an unrelated New York mortgage lender. Reliant Funding is the business funding provider examined here; the similar names cause frequent search confusion.
We recommend Reliant Funding for owners with a time-critical, revenue-backed need who have run the factor-rate math and compared a quote. Customers reporting positive experiences fit that profile; owners funding long-term assets should compare small business loans first.
One application through our marketplace reaches 80+ lenders across merchant cash advances, term loans, credit lines, and SBA programs. We connect small businesses with side-by-side numbers and a dedicated funding professional who walks you through the process from application to funding, so the offer you accept is the one that won the comparison.
| One Application, 80+ Lenders
Apply once, and we match your file to the lenders best positioned to fund it. If one declines, your packaged file moves to the next fit without restarting paperwork. |
Disclaimer:
This Reliant Funding review is provided for general information as of July 2026 and is not financial or legal advice. Rates, requirements, ratings, and ownership details for any funding provider change over time; verify current terms directly with the provider and consult resources from the U.S. Small Business Administration and the Consumer Financial Protection Bureau, or a qualified CPA or attorney, before entering any financing agreement.
The Reliant Funding trademark is owned by Reliant Services Group, LLC, dba Reliant Funding, and its use herein is for reference purposes only, and it does not indicate sponsorship or endorsement from Reliant Services Group, LLC, dba Reliant Funding.
Jared Weitz is the Founder & CEO of United Capital Source (UCS), one of the nation’s fastest-growing business financing marketplaces. Since founding the company in 2011, Jared has built a technology-enabled platform that has facilitated over $1.6 billion in funding to more than 40,000 businesses across the United States. Under his leadership, UCS has evolved into a full-service marketplace that connects business owners with 80+ lenders while providing hands-on guidance throughout the entire funding process. Rather than selling client information like most lead generation companies in the business loans space, UCS works directly with each applicant—leveraging technology and experienced funding professionals to match businesses with the right financing options, structure deals, and guide them from application through funding and future growth. Jared’s work has earned national recognition, including the National Commercial Loan Broker of the Year award in 2019, and placements on the Inc. 5000 list in 2015 and 2017. He also serves as Broker Council Co-Chairman for the Small Business Finance Association, where he helps advocate for expanded access to capital for small businesses nationwide.
