TL;DR
Reliant Funding ranks #15 in our 2026 funder ranking. Best for distressed merchants who've been declined by a-paper and b-paper funders, have a specific short-term bridge need (60-120 days), and have realistically modeled survival under the daily ach burden. The strength: Specialty C-paper underwriting — will fund merchants with NSFs, existing first-position MCAs, or short trading history that A-paper funders decline. The watch-out: C-paper pricing — factor rates and total cost are materially higher than A-paper alternatives.
Reliant Funding rate card 2026
| Category | MCA specialty |
| Best for | C-paper merchants who got declined elsewhere |
| Amount range | $5,000 – $400,000 |
| Cost (factor / APR) | Factor 1.30 – 1.55 typical; higher for D-paper |
| Speed to fund | Funding in 24 – 48 hours |
| Min time in business | 6 months |
| Min monthly revenue | $15,000 |
| Min credit score | 500+ |
The strength — what Reliant Funding does better than anyone
Specialty C-paper underwriting — will fund merchants with NSFs, existing first-position MCAs, or short trading history that A-paper funders decline. Acquired Yellowstone Capital's portfolio; understand sub-prime MCA dynamics deeply. Sometimes the only funder that will say yes to a distressed file.
The watch-out — what Reliant Funding doesn't put in marketing
C-paper pricing — factor rates and total cost are materially higher than A-paper alternatives. Aggressive collection practices including UCC filings and COJ confessions of judgment. Renewal pressure is constant; some merchants describe a 'rolling debt' pattern after first deal. Only use when other options are genuinely unavailable.
Who Reliant Funding is best for
Distressed merchants who've been declined by A-paper and B-paper funders, have a specific short-term bridge need (60-120 days), and have realistically modeled survival under the daily ACH burden.
Who shouldn't apply
Merchants ranking solidly above Reliant Funding's box may want to apply to OnDeck or Credibly first for cheaper money. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Reliant Funding actually makes sense.
How Reliant Funding compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| Reliant Funding (this funder) | MCA specialty | Factor 1.30 – 1.55 typical; higher for D-paper | Funding in 24 – 48 hours |
| Credibly | MCA + multi-product | Factor 1.11+ (MCA); APR varies for term + LOC | As fast as 4 hours |
| Greenbox Capital | Multi-product | Factor varies; published up to 19% ISO commission | 24 – 48 hours |
| Accord Business Funding | MCA specialty | Factor varies by paper grade (often 1.40+) | Next-day for approved files |
| Bluevine | LOC | APR 6.2% – 27% | 1 – 3 business days |
| OnDeck | Term + LOC | Term APR 27%+; LOC APR 30%+ | Same-day for approved files |
What to ask Reliant Funding before signing
- "What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
- "Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
- "What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
- "Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.
Frequently asked questions
- Is Reliant Funding a direct funder or a broker?
- Reliant Funding is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
- What's the minimum revenue Reliant Funding will fund?
- Reliant Funding's published floor is $15,000 in average monthly revenue, with 6 months minimum time in business. Credit score floor is 500+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
- How fast can Reliant Funding fund?
- Reliant Funding's public speed quote is Funding in 24 – 48 hours. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
- Should I go directly to Reliant Funding or through a broker?
- Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Reliant Funding, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
- What's Reliant Funding's biggest weakness vs alternatives?
- C-paper pricing — factor rates and total cost are materially higher than A-paper alternatives. Aggressive collection practices including UCC filings and COJ confessions of judgment. Renewal pressure is constant; some merchants describe a 'rolling debt' pattern after first deal. Only use when other options are genuinely unavailable.
Related reading
- The full 2026 ranking of 10 MCA funders — where Reliant Funding sits and why.
- How factor rates actually work — the math behind Factor 1.30 – 1.55 typical.
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.