This is another procedural drawback of the methodology at the core of the Valley Funding business. Many of the other companies in the sector, focus exclusively on a quick turnaround, cash in your bank account within 48 hours, is a common promise. Although this is something that Valley Funding can and does offer, we found their processes to be much slower and more methodical. There is no doubt that they could deposit the money in your account within 48 hours, but their priority is ensuring that you are getting the right product, that you can afford the repayments, and that they will be helping you rather than causing you more problems further down the line.

As a consequence, their advisors spent a lot more time with every client, devising a plan for success, and explaining all of the options. We feel that this is an excellent service, but we also understand that some people who are in a desperate situation simply want to get their application approved and receive the funds. In our view, although we have classified this as a negative in the review, it is something that the company should receive praise for because they are doing everything in their power to maximize the chances of success for their customers.

Valley Funding is, in many ways, a good old-fashioned type of company. They are honest, open, and dedicated to their customers. They offer excellent products and first-class customer service. Unfortunately for some people in a rush, their determination to do things properly may be viewed as a negative. However, in our opinion, Valley Funding has a strong moral compass and should be high on the list of companies to be considered.