Riviera deserves a look if your work falls outside the usual tractor-trailer model or your factoring volume changes from month to month. It explicitly serves smaller delivery vehicles and lets you choose invoices without a monthly minimum. The tradeoff is the agreement behind that flexibility: a standard six-month term and first position on receivables. Compare the initial deposit, retained balance and credit protection together, then check that your regular customers qualify before moving your billing.
No monthly factoring minimum
Keep factoring in step with your freight volume.
Choose individual invoices
Factor the invoices you want without submitting every invoice.
Less time on receivables
Get help processing invoices and collecting payments.
Updated 2026-09-08
What stands out
A closer look at Riviera Finance
Getting paid
Plan for onboarding before relying on the regular funding clock. For an invoice you expect to submit, confirm both the first deposit and when the remaining balance becomes available.
Supporting details
The FAQ allows four to seven working days for first funding, with preliminary approval usually in 24–48 hours. Invoice verification can affect timing. Source ↗
Advertises funding within 24 hours after invoice verification. This is separate from the initial account setup. Source ↗
The freight page advertises a 95% advance. Confirm your agreed percentage and net deposit after any deductions. Source ↗
Any retained balance is paid after the customer settles the invoice, less the factoring fee. Ask for the release schedule. Source ↗
Online invoice and backup-document uploads, account history, reserve balances and reports. QuickBooks integration is advertised; confirm the supported version. Source ↗
At a glance
Who it serves
Owner-operators and fleets, including dry van, reefer, flatbed, towing, box truck and Sprinter van businesses.More details
Factoring price
A percentage of each invoice, quoted for your business. The calculator’s sample rate is not a freight offer; request the complete fee calculation.More details
Agreement length
The standard term is six months. Riviera says it can adjust the length for the client.More details
Ongoing invoice funding
Advertises funding within 24 hours after invoice verification. This is separate from the initial account setup.More details
Costs, plans & capabilities
Freight factoring
A percentage of each invoice, quoted for your business. The calculator’s sample rate is not a freight offer; request the complete fee calculation.
The freight page advertises a 95% advance. Confirm your agreed percentage and net deposit after any deductions.
Any retained balance is paid after the customer settles the invoice, less the factoring fee. Ask for the release schedule.
No monthly factoring minimum advertised for freight clients.
Choose which invoices to factor; submitting every invoice is not required.
The standard term is six months. Riviera says it can adjust the length for the client.
Riviera requires first position on all accounts receivable while you factor, even though you can select invoices.
Credit and account services
Riviera assumes credit risk on invoices it purchases. Confirm eligible debtors and exactly which nonpayment events your agreement covers.
Its trucking guide describes customer bankruptcy or insolvency protection. Ask how disputes, deductions and disputed delivery are treated.
Processes invoices and payments, checks outstanding balances and provides collection services, with alerts for disputes and payment issues.
Online invoice and backup-document uploads, account history, reserve balances and reports. QuickBooks integration is advertised; confirm the supported version.
Look up factoring eligibility and Riviera’s payment history on potential customers, with automated credit decisions available around the clock.
Regional offices provide direct contact across the US and Canada. Confirm your assigned team’s hours and escalation route.
Plan details
Who it serves
Owner-operators and fleets, including dry van, reefer, flatbed, towing, box truck and Sprinter van businesses. Source ↗Checked 2026-09-08
Customer and carrier locations
Serves all 50 US states and Canada, purchasing eligible invoices on creditworthy US and Canadian customers. Source ↗Checked 2026-09-08
New businesses
Startups can qualify with verifiable receivables. Account and customer approval still apply. Source ↗Checked 2026-09-08
Factoring price
A percentage of each invoice, quoted for your business. The calculator’s sample rate is not a freight offer; request the complete fee calculation. Source ↗Checked 2026-09-08
Freight advance
The freight page advertises a 95% advance. Confirm your agreed percentage and net deposit after any deductions. Source ↗Checked 2026-09-08
Remaining balance
Any retained balance is paid after the customer settles the invoice, less the factoring fee. Ask for the release schedule. Source ↗Checked 2026-09-08
Monthly minimum
No monthly factoring minimum advertised for freight clients. Source ↗Checked 2026-09-08
Invoice choice
Choose which invoices to factor; submitting every invoice is not required. Source ↗Checked 2026-09-08
Agreement length
The standard term is six months. Riviera says it can adjust the length for the client. Source ↗Checked 2026-09-08
Receivables lien
Riviera requires first position on all accounts receivable while you factor, even though you can select invoices. Source ↗Checked 2026-09-08
Leaving or changing factors
A separate security agreement controls the account. Obtain renewal, notice, early-exit costs and lien-release conditions before signing. Source ↗Checked 2026-09-08
Initial setup
The FAQ allows four to seven working days for first funding, with preliminary approval usually in 24–48 hours. Invoice verification can affect timing. Source ↗Checked 2026-09-08
Ongoing invoice funding
Advertises funding within 24 hours after invoice verification. This is separate from the initial account setup. Source ↗Checked 2026-09-08
Setup fees
No application or start-up fee advertised. This does not make the factoring service free. Source ↗Checked 2026-09-08
Non-recourse credit protection
Riviera assumes credit risk on invoices it purchases. Confirm eligible debtors and exactly which nonpayment events your agreement covers. Source ↗Checked 2026-09-08
What the protection means
Its trucking guide describes customer bankruptcy or insolvency protection. Ask how disputes, deductions and disputed delivery are treated. Source ↗Checked 2026-09-08
Billing and collection work
Processes invoices and payments, checks outstanding balances and provides collection services, with alerts for disputes and payment issues. Source ↗Checked 2026-09-08
ROAM account tools
Online invoice and backup-document uploads, account history, reserve balances and reports. QuickBooks integration is advertised; confirm the supported version. Source ↗Checked 2026-09-08
FastCredit customer checks
Look up factoring eligibility and Riviera’s payment history on potential customers, with automated credit decisions available around the clock. Source ↗Checked 2026-09-08
Local account service
Regional offices provide direct contact across the US and Canada. Confirm your assigned team’s hours and escalation route. Source ↗Checked 2026-09-08
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