Riviera Finance
Riviera Finance is a privately held invoice factoring company founded in 1969 that provides non-recourse accounts receivable financing and working capital to over 2,000 small and medium-sized businesses across the US and Canada through 25+ offices and a self-service digital platform.
- Company typePrivate
- Founded1969
- HeadquartersAlpharetta, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Riviera Finance does
Riviera Finance is a privately held invoice factoring company founded in 1969 and headquartered in Alpharetta, Georgia, providing working capital solutions to small and medium-sized businesses across North America. The company purchases accounts receivable at advance rates of up to 95% of invoice face value, typically funding within 24 hours, and earns transaction-based fees generally ranging from 1-5% of invoice value depending on volume, invoice size, and customer credit profile. Its product portfolio spans core and non-recourse invoice factoring, freight factoring for transportation clients, alternative financing (lines of credit, commercial loans, working capital loans), and two proprietary technology tools: ROAM (Riviera Online Account Management), a self-service portal with QuickBooks integration for invoice upload, alerts, and reporting, and FastCredit, an instant automated credit check tool that surfaces Riviera's historical payment experience on prospective customers.
The company serves more than 2,000 clients through a network of 25+ offices in the United States and Canada, supported by a sales-led go-to-market combining dedicated account representatives, a multilingual (English, Spanish, French) online application portal, and phone-based sales. Target verticals include transportation and trucking, temporary staffing, construction and trade contractors, renewable energy, oil and gas, telecommunications, and underground utilities — all characterized by long customer payment cycles that create demand for working capital. Riviera's value proposition centers on non-recourse factoring (where the firm absorbs credit losses from customer non-payment), full-service receivables management including collections and dispute resolution, and the avoidance of equity dilution or on-balance-sheet debt for clients.
Riviera operates as an independently held firm with no disclosed parent company, institutional investors, or funding rounds identified in the source material. Founded and led by David B. Clark as Founder and CEO, the company has maintained continuous operations for 55 years across multiple credit cycles and carries 4.9-star Google rating across 825+ reviews. Revenue is not publicly disclosed. The business model relies on the company's diversified capital base and proprietary credit data assets, with QuickBooks integration providing the only third-party software interoperability.
Riviera Finance firmographics
Firmographics- Name
- Riviera Finance
- Legal name
- Riviera Finance
- Website
- https://rivierafinance.com
- Company type
- Private
- Founded year
- 1969
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Riviera Finance is a privately held invoice factoring company founded in 1969 that provides non-recourse accounts receivable financing and working capital to over 2,000 small and medium-sized businesses across the US and Canada through 25+ offices and a self-service digital platform.
- Ownership category
- akta.pro rank
Riviera Finance industry classification
Industry- Product category
- Invoice Factoring & Working Capital Financing
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Invoice Financing & Factoring (FSAKAGAC)
- akta.pro secondary industry
- Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)
Keywords
Where Riviera Finance is headquartered
LocationHeadquarters
- HQ city
- Alpharetta
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Riviera Finance business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Invoice Factoring Fees: Transaction-based fees calculated as a percentage of invoice value. Riviera provides immediate cash (up to 95% of invoice face value) for businesses selling their accounts receivable. Fees are determined by variables including factoring volume, invoice size, customer risk profile, and creditworthiness. The remainder (minus fees) is paid when the customer settles the invoice.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based factoring fee (typically 1-5% of invoice value) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Riviera Finance product offering
Product offeringCore offering
Riviera Finance purchases the accounts receivable of small and medium-sized businesses, advancing up to 95% of the invoice face value within 24 hours and collecting the balance (minus fees) from the business's customers. Its core offering is full-service invoice factoring—offered in both recourse and non-recourse forms—supplemented by freight factoring for transportation clients, alternative financing (working capital loans, lines of credit, commercial loans), the FastCredit instant credit-check tool, and the ROAM online account management portal integrated with QuickBooks.
Product overview
Riviera Finance offers a unified invoice factoring platform centered on its core Invoice Factoring and Non-Recourse Factoring services, which provide immediate cash for accounts receivable with optional credit risk protection. The platform is supplemented by FastCredit for instant customer credit approvals and ROAM for self-service account management. Alternative Financing options extend the portfolio to include working capital loans, lines of credit, and commercial loans. The company also offers industry-specific freight factoring services. All services are accessible through a multilingual website (English, Spanish, French) with a client portal and mobile app support.
Differentiator
Problem solved
Functional benefit
Brands
- FastCredit: Instant automated credit approval tool offering 365/24/7 credit checks with historical payment experience data from Riviera.
- ROAM (Riviera Online Account Management)
Products and services
- Invoice Factoring
Quantifiable outcome
- Up to 95% of invoice face value advanced within 24 hours
- +1 more outcomes
Companies that use Riviera Finance
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles3 records
Riviera Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
Riviera Finance partnerships and signals
Strategic signalScale indicators6 records
Recent moves5 records
Expansion highlights5 records
Riviera Finance competitors and assessment
Company assessmentDirect peers
- BlueVine: Tech-enabled SMB factoring and business banking platform offering invoice factoring, lines of credit, and term loans. Closest direct competitor to Riviera in serving SMBs with invoice-based working capital products across similar verticals.
- Triumph Business Capital: Factoring company focused on transportation and freight with non-recourse products. Direct competitor in Riviera's transportation factoring vertical with overlapping customer profile of carriers and freight brokers.
- Apex Capital Corp: One of the largest dedicated freight factoring companies in North America providing non-recourse factoring and fuel advances to carriers and brokers. Directly competes with Riviera's freight factoring offering for SMB trucking customers.
- altLine (Interface Financial Group): SMB invoice factoring company offering non-recourse and recourse products across multiple verticals including staffing, transportation, and manufacturing. Comparable SMB factoring focus and range of industries served matching Riviera's positioning.
- TCI Business Capital: Factoring and asset-based lender with concentration in staffing, transportation, and SMB verticals. Direct competitor in the same target verticals and product set as Riviera.
- TAB Bank: Online bank offering factoring, lines of credit, and working capital products to SMBs across multiple verticals. Competes directly with Riviera's factoring and alternative financing suite, with deposit-funding cost advantage.
- eCapital: Specialty finance company providing invoice factoring, A/R management, and working capital to SMBs across North America. Direct competitor with similar SMB focus and full-service receivables management approach.
- Porter Capital: Factoring company focused on staffing agencies, transportation, and industrial SMBs. Direct competitor in staffing and transportation verticals that overlap with Riviera's industry specialization.
- Liquid Capital: Factoring franchise network serving SMBs across North America with multi-product working capital focus. Comparable to Riviera in factoring core offerings while using a franchise distribution model.
Emerging players
- Fundbox: AI-driven SMB working capital platform offering short-term credit and lines. Competes in adjacent SMB cash-flow management space, though more installment-credit oriented than traditional full-service factoring.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Riviera Finance social profiles
Digital presenceRiviera Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Riviera Finance leadership team
Management profileNumber of profiles
Profiles1 record
Riviera Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Riviera Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Riviera Finance
What does Riviera Finance do?
Riviera Finance purchases the accounts receivable of small and medium-sized businesses, advancing up to 95% of the invoice face value within 24 hours and collecting the balance (minus fees) from the business's customers. Its core offering is full-service invoice factoring—offered in both recourse and non-recourse forms—supplemented by freight factoring for transportation clients, alternative financing (working capital loans, lines of credit, commercial loans), the FastCredit instant credit-check tool, and the ROAM online account management portal integrated with QuickBooks.
Is Riviera Finance a public or private company?
Riviera Finance is a private company. It is classified as unknown and is currently operating.
When was Riviera Finance founded?
Riviera Finance was founded in 1969. It employs 101 to 250 people.
Where is Riviera Finance based?
Riviera Finance is headquartered in Alpharetta, United States, in the North America region.
How does Riviera Finance make money?
One revenue line is on record: invoice Factoring Fees.
Who are Riviera Finance's main competitors?
Direct peers on record are BlueVine, Triumph Business Capital, Apex Capital Corp, altLine (Interface Financial Group), TCI Business Capital, TAB Bank, eCapital, Porter Capital and Liquid Capital. Fundbox is listed as an emerging player.
Does Riviera Finance have an API?
No public API is recorded for Riviera Finance.
What industry is Riviera Finance in?
Riviera Finance's product category is Invoice Factoring & Working Capital Financing. Its primary akta.pro industry code is FSAKAGAC, Invoice Financing & Factoring, with a secondary code of FSABAHAD, Receivables Finance (Factoring, Invoice Discounting, Forfaiting). Its NAICS code is 522 and its SIC code is 6153.