Last reviewed: October 2, 2026
Disclaimer: This review summarizes publicly available information, including customer reviews, forum posts such as Reddit, BBB and Trustpilot listings, court records, regulator actions, and news reports. It is not the opinion of MCAFax. MCAFax cannot confirm or deny any allegations, complaints, or claims described here. Information may be outdated or incomplete. MCAFax is not affiliated with this lender. This is not legal or financial advice. Lenders who believe something is inaccurate can contact info@mcafax.com for review.
Summary verdict
Reliant Funding (Reliant Services Group, LLC), based in San Diego, provides merchant cash advances and has brokered small-business financing (California DBO consent order). Finder lists amounts from $2,000 to $2 million and factor rates of 1.2 to 1.5 (Finder). In 2020, California's financial regulator entered a consent order requiring Reliant to stop false or misleading advertising and to pay a $250,000 penalty. Reliant did not admit or deny the conclusions (Consent order). BBB rates it C− (BBB).
Paper Grade: D paper
Finder lists a 500 minimum credit score, 3 months in business and $6,000+ in monthly revenue (Finder). That is a D-paper profile. Paper grade describes the borrower profile this lender targets, not the lender's quality.
Research-Based Reputation Score: 2.5 / 10 (reputation rank: #61 of 72 lenders scored, as of October 2, 2026)
How we got there: start at 5.0, then +1 because it has operated since 2008 (BBB). Then −1 for a BBB C− rating, which BBB attributes to failure to respond to complaints, and −0.5 for 3 BBB complaints in three years (BBB). Then −2 for a regulator consent order with a penalty and no admission. California's Department of Business Oversight (now the DFPI) found that Reliant's "Reliant Cash Card" mailers to small businesses were false, misleading or deceptive and that it had brokered loans without a license. The consent order directs Reliant to desist and refrain and to pay a $250,000 penalty; Reliant neither admitted nor denied the conclusions of law (Consent order). An older proposed TCPA class action (Friedman v. Reliant Services Group, S.D. Cal. 3:17-cv-00331) is not scored because we could not confirm that it is pending (LegalClarity). The total is 2.5. Finder reports Trustpilot at 3.1/5 from 1,437 reviews, which earns no adjustment (Finder).
About the Paper Grade: it reflects only the borrower profile and deal type the lender targets (stated credit, time-in-business and revenue minimums, and product type). It is not a judgment of the lender's quality. A = strong credit (about 625–650+), established businesses, APR-priced loans or lines. B = fair credit (about 600+), short-term or factor-rate products. C = credit about 500–599, younger businesses, MCA or revenue-based, or sales-based platform financing with no credit check. D = minimal credit requirements, very new businesses, stacked positions or high-risk industries. Lawsuits and regulator actions never change the Paper Grade.
About the Research-Based Reputation Score (1–10, half-points): it summarizes public signals and is not the opinion of MCAFax. Every lender starts at 5.0. Points are added for BBB accreditation and an A+ rating, years in business, strong Trustpilot ratings, and a clean record (no regulator orders or court judgments in which the lender itself is a named party). Points are subtracted for a BBB rating of C− or lower (−1), a BBB customer-review average below 2.5/5 (−0.5), recurring complaint themes (−0.5 to −1), and a pending class action (−0.5). Government actions are scored only when the lender itself is a named party: −1 for a settled action not about borrowers, −2 for a regulator consent order with a penalty and no admission, −3 for active enforcement or a final order about borrower treatment, and −5 for an industry ban or court finding of liability. The lowest score, 1.0, is reserved for lenders under an industry ban or a final fraud judgment. Ratings we could not read score zero, and routine collection suits are not scored. Every point applied to this lender is listed above. Ranks are as of the date shown; MCAFax cannot confirm or deny any allegation counted here.
At a glance
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