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Riviera Finance factoring: rates and terms
Riviera Finance's site doesn't publish a rate. It doesn't say leaving or other fees. Source: rivierafinance.com, pages read Oct 25, 2026.
Run your quote in the rates calculator
What Riviera Finance publishes
- Rate: not published
- Advance: published
- Recourse: published
- Reserve: published
- Payout fees: published
- Contract term: published
- Leaving: not published
- Minimums: published
- Other fees: not published
Filled: stated on Riviera Finance's site. Dashed: not published on the pages we read.
Terms, in Riviera Finance's words
| Term | What the site says |
|---|---|
| Rate | not published |
| Advance | 95% advance; funding within 24h of verification"95% Advance Rate Funding within 24 Hours of Verification" [1] source for 95% advance; funding within 24h of verification: rivierafinance.com |
| Recourse | non-recourse factoring (outright purchase)"non-recourse invoice factoring is an outright purchase of accounts receivable for cash." [1] source for non-recourse factoring (outright purchase): rivierafinance.com |
| Reserve | 'strive to fund ... without holding reserves'"strive to fund our clients without holding reserves." [1] source for 'strive to fund ... without holding reserves': rivierafinance.com |
| Payout fees | ACH ('ATF'), wire, check (fees not published)"Riviera can transfer funds by ATF or wire to your account, send a check through any overnight service or US mail, or you can obtain a check in person." [1] source for ACH ('ATF'), wire, check (fees not published): rivierafinance.com |
| Contract term | no set-up fees, no long-term contracts"Simple applications, no set-up fees, and no long-term contracts make getting started with Riviera easy." [1] source for no set-up fees, no long-term contracts: rivierafinance.com |
| Leaving | not published |
| Minimums | no monthly minimums; choose invoices"You Select which Invoices You Factor No Monthly Minimums No Hidden Fees" [1] source for no monthly minimums; choose invoices: rivierafinance.com |
| Other fees | not published |
| Fuel program | not published |
| Credit checks | not published |
| Referral program | clients only: $250 per volume milestone, up to $1,500 per referral"Riviera Finance will now pay you up to $1,500 every time you send us a referral that becomes a new client." [1] source for clients only: $250 per volume milestone, up to $1,500 per referral: rivierafinance.com |
| Affiliate program | not published |
| Reviews | not published |
Values are Riviera Finance's marketing claims, quoted from its pages; the contract you sign governs. Pages read: rivierafinance.com/industries/transportation-factoring/, rivierafinance.com/freight-factoring/, rivierafinance.com/resources/faqs/, rivierafinance.com/referrals/, rivierafinance.com/services/non-recourse-factoring/.
Does Riviera Finance factor for new authorities?
"Even recent start-ups are not a problem in most cases, as long as there are verifiable accounts receivable."
rivierafinance.com
What every company says about new carriers
Clauses from a signed Riviera Finance agreement
From Security (factoring) Agreement + Volume Pricing Addendum (EX-10.1) with Source Direct Holdings, dated 2006-08-15, filed with the SEC. An old agreement with a non-trucking client shows the clauses this factor's paper has used, not today's terms.
"The Term shall automatically renew every Six months, for another Six month period, unless RIVIERA receives certified written notice of termination from CLIENT at least thirty (30) days prior to the expiration of the current Term."
"including but riot [sic] to any Minimum Charges and early termination penalties that apply."
"MINIMUM MONTHLY FEE : CLIENT agrees to pay to RIVIERA a minimum fee of Six Hundred Ninety Dollars ($690..."
"is in due each month during the term of this Agreement, regardless of whether or not the CLIENT offers invoices for purchase or terminates this Agreement prior to its expiration."
"Greater Than $250,000 per month 3.4% ... $10,000 - $25,000 6.9% ... Less than $10,000 per month 9.0% of the face value of INVOICES"
"RIVIERA will reserve and withhold an amount in a reserve account equal to Six Percent (6%) of the gross face amount of all Accounts purchased."
"not paid to RIVIERA within forty-five (45) days from date of purchase"
Recourse applies if the client sent the original invoice itself.
How to get out of a factoring contract
We have no paid relationship with any company on this page. Riviera Finance runs a referral or affiliate program (listed above); we are not enrolled in it. Corrections: tell us.
Questions
What are Riviera Finance's factoring rates?
Riviera Finance doesn't publish a rate on the pages we read, so you'd need a quote. Check a quote in the rates calculator.
Does Riviera Finance work with new authorities?
Its site says: "Even recent start-ups are not a problem in most cases, as long as there are verifiable accounts receivable." None of the pages we read gives a minimum authority age.
Does Riviera Finance require a long-term contract?
Riviera Finance's site says: no set-up fees, no long-term contracts. The signed agreement sets the term you are held to.
Is Riviera Finance recourse or non-recourse?
Riviera Finance's site says: non-recourse factoring (outright purchase).
How do I stop factoring with Riviera Finance?
Riviera Finance's site doesn't say how to leave on the pages we read. The notice period and any termination fee are in your signed agreement. How to get out of a factoring contract.