How fast can I get funded with a merchant cash advance?

Many merchant cash advances receive approval within 4-24 hours, with funds deposited within 1-3 business days after approval.

What credit score do I need for business funding?

Some MCA funders accept credit scores as low as 500, while traditional lenders typically require 625+.

How much can I get with a merchant cash advance?

MCA amounts typically range from $5,000 to $500,000 or more, based on your monthly revenue.

What is a factor rate?

A factor rate is a multiplier (typically 1.1 to 1.5) used to calculate the total repayment amount for MCAs.

Do you require collateral for business funding?

Most merchant cash advances are unsecured. Equipment financing uses the equipment as collateral.

How does the application process work?

Our online application takes about 5 minutes. Most applications receive a decision within 4-24 hours.

Reliant Funding Review 2026 | Velica Capital

Reliant Funding is a San Diego-based direct funder that has provided over $1 billion in working capital to small businesses since 2008. They specialize in merchant cash advances and short-term business loans, with a reputation for fast approvals and a simple application process.

What Reliant Funding Offers

Merchant Cash Advance

Amount: $5,000 to $400,000
Factor Rate: 1.09 to 1.45
Repayment: Percentage of daily credit card or ACH receipts
Term: Flexible, based on sales volume

Reliant Funding buys a fixed portion of your future receivables at a discount. Repayment adjusts with your sales, which protects cash flow during slower months. This is their most popular product for businesses with inconsistent monthly revenue.

Short-Term Business Loans

Amount: $5,000 to $300,000
Terms: 3 to 15 months
Repayment: Fixed daily or weekly ACH

For businesses that prefer predictable fixed payments, Reliant offers short-term loans with fast approvals. Payments are debited automatically from your business bank account on a set schedule.

Reliant Funding Requirements

Credit Score: 525+ personal credit score
Time in Business: At least 9 months
Monthly Revenue: $10,000+
Business Bank Account: Required
Industry: Most industries accepted (some restrictions)

Reliant Funding Pros

Lower minimum revenue threshold than many MCA competitors
Accepts credit scores as low as 525
Fast approval, often within hours of application
Funds deposited same or next business day after approval
Simple application with minimal documentation
Repeat funding available with improved terms for returning clients

Reliant Funding Cons

Factor rates not disclosed upfront on the website
Maximum amount capped at $400,000
Daily repayment can put pressure on working capital
Not a good fit for businesses needing long-term financing
Not reported to business credit bureaus

Reliant Funding vs Competitors

Feature	Reliant Funding	CAN Capital	Fora Financial
Min Credit Score	525	550	500
Min Time in Business	9 months	4 months	6 months
Max Amount	$400,000	$250,000	$500,000
Min Monthly Revenue	$10,000	$7,500	$12,000

Who Should Use Reliant Funding?

Businesses with at least 9 months of operating history
Owners with credit scores in the 525 to 625 range
Businesses doing $10K+ per month in revenue
Those who need funding within 24 hours
Repeat borrowers looking for better terms over time

Who Should Look Elsewhere

Businesses under 9 months old
Those needing more than $400,000
Businesses with monthly revenue below $10,000
Those looking to build business credit history
Businesses needing loan terms longer than 15 months

How to Apply

Reliant Funding's online application takes about 10 minutes. You will need your EIN, basic business information, and recent bank statements. Approvals often come the same day, and funds can hit your account within 24 hours of signing.

Required documents typically include:

3 months of recent business bank statements
Business tax ID (EIN)
Basic business and owner information
Voided business check

Reliant Funding Review 2026