Reliant Funding Review 2026

Reliant Funding's MCA advances range from $5,000 to $2,000,000, though Bankrate found that representatives quoted a maximum of $250,000 in practice. Factor rates start at 1.20 according to third-party sources, though the pricing page shows rates from 1.08 (a figure we could not verify with any independent source).

To understand the real cost: borrowing $50,000 at a median factor rate of 1.29 means you repay $64,500 total. Add the $495 origination fee, and your all-in borrowing cost is roughly $14,995 on a $50,000 advance. If that advance is repaid over 6 months, the effective APR lands in the 60% to 90% range. For comparison, an SBA 7(a) loan currently runs around 9% to 11% APR.

Reliant does offer an early payoff discount of up to 10%, which can reduce the factor amount owed if you pay from your own operating funds. But typical MCA early payoff discounts are time-boxed (often 30 to 60 days) and may not apply if a third-party lender refinances the balance. Get the exact discount terms in writing before you sign.

There are no compounding fees or accruing interest, which is standard for MCAs. The total payback amount is fixed at signing. That also means paying off faster does not automatically save you money unless you have a negotiated prepayment discount.

Reliant's stated minimums are among the most lenient in the MCA space:

- Minimum credit score: 500 (some sources cite 525, Bankrate was told 550 by a representative)
- Minimum annual revenue: $60,000
- Time in business: 3+ months
- Collateral required: No
- Personal guarantee: Not required for most products according to ConsumerAffairs, though some reviewers report being pursued personally after default

The inconsistency in stated minimums is a red flag. Bankrate reported receiving different qualification numbers from different representatives. We recommend asking your assigned account manager to confirm all requirements in writing before submitting documents.

The application begins online at reliantfunding.com, but multiple sources (Bankrate, ConsumerAffairs) have reported that the online application tool does not always work. In practice, you'll likely need to call Reliant directly at their 877 number to connect with an account manager.

Once connected, you'll need to provide recent business bank statements (typically 3 to 4 months). Reliant does not publish the full list of required documents on its website. Decisioning happens within hours for most applicants, and funds can be deposited in as little as 24 hours after approval.

After funding, repayment is automated. Reliant withdraws a fixed daily or weekly amount directly from your business bank account. You can qualify for a renewal (new advance) once you've repaid at least 50% of your original balance, though stacking multiple MCAs increases your debt risk significantly.

Reliant Funding has 91 complaints on file with the BBB. The most common complaint type involves aggressive telemarketing: business owners report excessive calls, texts, and direct mailers that continue after requests to stop. Several BBB complaints describe receiving what appears to be a pre-approved credit card in the mail, which is actually a marketing piece designed to prompt a phone call.

The BBB profile also notes a government action involving "false, misleading, or deceptive" business conduct, with Reliant paying a $250,000 fine. Reliant is not BBB-accredited despite operating for 18 years.

We could not locate CFPB complaints specific to Reliant Funding (the San Diego MCA provider). Note: a separate Pennsylvania company called "Reliant Holdings" (doing business as Horizon Card Services) faced a CFPB lawsuit in 2024 over credit card fee practices. That is a different entity.

On Trustpilot, Reliant holds a 4.7 rating from 1,433 reviews, though Bankrate noted that the most recent Trustpilot reviews date back to late 2022, raising questions about whether newer reviews are being solicited. On Yelp, the company holds a 1.5 out of 5 rating, with complaints focused on liens, aggressive collections, and contract terms that limit borrower legal rights.

If your credit score is above 640 and you've been in business for 2+ years, an SBA 7(a) loan through a bank or CDFI will cost you a fraction of what Reliant charges. Current SBA 7(a) rates run around 9% to 11% APR versus the effective 60% to 90%+ APR on a typical Reliant MCA.

Among MCA competitors, Credibly and National Funding both advertise lower starting factor rates of 1.11. National Funding also offers early payoff discounts and is better rated on third-party sites. Fora Financial starts at 1.13 and matches Reliant's 24-hour funding speed.

If you specifically need a line of credit (revolving access to capital rather than a lump sum), Reliant cannot help you despite advertising the product. Look at Bluevine or Fundbox for true lines of credit with lower effective rates.

For credit-challenged borrowers who can wait 1 to 2 weeks, Accion Opportunity Fund and other CDFIs offer microloans at significantly lower APRs with more transparent terms.