Provider profile · 2026 edition
Riviera Finance review 2026: scores, fees and alternatives.
A US and Canadian factoring provider of more than 50 years offering non-recourse factoring, in which it absorbs the loss if a customer cannot pay.
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A US and Canadian factoring provider of more than 50 years offering non-recourse factoring, in which it absorbs the loss if a customer cannot pay.
Riviera Finance scores 2.0 out of 5 (40 out of 100) in the Buckingham Intelligence Invoice Finance and Factoring Index 2026 and ranks 5 of 10. It is strongest for US and Canadian small firms wanting the factor to carry the credit risk, with 5 out of 5 for advance and speed and published eligibility. Not published or not stated on the pages read: pricing, regulatory standing and product range.
Scores from the Invoice Finance and Factoring Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For small B2B suppliers | 43 | 5 of 10 |
| For mid-sized firms | 42 | 5 of 10 |
| For payment and fintech firms | 34 | 8 of 10 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
US and Canadian small firms wanting the factor to carry the credit risk.
What Riviera Finance publishes on its own pages, read on 26 October 2026.
A US and Canadian factoring provider of more than 50 years offering non-recourse factoring, in which it absorbs the loss if a customer cannot pay. It publishes a 95% advance, 24 hour funding and eligibility up to $2m monthly sales. It publishes no fee rates or licences, and its contract wording is inconsistent.
| Fact | What the provider publishes |
|---|---|
| Products | Full-service factoring with "Finance, Credit Services, and Receivables Management"; non-recourse: "If we factor an invoice and the customer can't pay, we absorb the loss." |
| Pricing | "Fees are calculated as a percent of invoice, at a pre-determined rate"; "Riviera requires no start-up fees"; no rates published. |
| Advance and speed | "Riviera will transfer up to 95% of your invoice face value"; funds verified invoices "within 24 hours of receipt"; full client funding typically four to seven working days. |
| Eligibility | "Riviera serves companies from start-up to $2 Million in monthly sales"; US and Canada; invoices generally on 30 to 60 day terms. |
| Contract terms | "Our standard term is six months"; elsewhere "no long-term contracts"; "Riviera requires a first position on all accounts receivable". |
| Regulatory standing | "more than 50 years"; "25+ locations"; no licence or security certification stated. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: rivierafinance.com/services/…, rivierafinance.com/resources/faqs.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Invoice Finance and Factoring Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Defacto | 2.8 | 1 of 10 | French firms wanting confidential single-invoice funding with no contract |
| FundThrough | 2.6 | 2 of 10 | US and Canadian suppliers wanting published fees and no obligation to fund every invoice |
| Earlypay | 2.6 | 3 of 10 | Australian firms, including start-ups, wanting a published rate range |
| Ultimate Finance | 2.5 | 4 of 10 | UK B2B suppliers wanting a high advance and a fast set-up |
| altLINE | 1.9 | 6 of 10 | US businesses wanting factoring from a bank with itemised fees |
| KredX | 1.9 | 7 of 10 | Indian suppliers to large companies wanting competing bids from financiers |
| Skipton Business Finance | 1.8 | 8 of 10 | UK firms with sales up to £30m wanting confidential discounting |
| eCapital | 1.7 | 9 of 10 | Larger US, Canadian and UK firms needing big facilities and fast funding |
| Fundbox | 1.2 | 10 of 10 | Small businesses in four countries wanting invoice funding next to other credit |
Side by side on every criterion, fact and award.
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