Riviera Finance Alternatives

While Riviera Finance has served B2B businesses since 1969 (over 50 years) with traditional invoice factoring, modern companies are discovering superior alternatives that offer complete AR automation, white-label experiences, and embedded net terms without sacrificing cash flow. Resolve's comprehensive B2B payments platform delivers non-recourse financing with next-day payouts while transforming your entire AR workflow.

Key Takeaways

Complete AR platform vs. just financing: Resolve provides a full AR automation platform with financing included, while Riviera primarily focuses on invoice factoring and account management, rather than a full AR automation and embedded net-terms platform
White-label customer experience: Resolve maintains your brand relationship with customers through a merchant-branded payment portal, whereas Riviera's factoring requires third-party notification and collection
Point-of-sale net terms integration: Resolve enables embedded net terms at checkout for e-commerce platforms, impossible with post-invoice factoring solutions
Variable advance selection: Resolve allows choosing 50%, 75%, 90%, or 100% advance per invoice to optimize costs, while Riviera typically sets fixed advance rates per contract
Credit line intelligence sharing: Resolve shares approved customer credit limits with merchants to drive upsells, unlike traditional factors that keep this data private
No long-term contracts: Resolve emphasizes no long-term contracts, while Riviera’s standard term is typically six months (adjustable)

1. Resolve — Complete B2B Payments Platform with Non-Recourse Financing

Resolve stands out as the premier Riviera Finance alternative by delivering a complete B2B payments infrastructure that combines financing with advanced accounts receivable automation. Unlike traditional factoring, Resolve enables businesses to offer net terms while getting paid immediately—all without taking on credit risk.

Key Features:

Non-recourse financing with up to 100% advance and zero merchant risk
Complete AR automation including invoicing, payment reminders, and collections
White-label payment portal that maintains brand relationships
Embedded net terms for e-commerce platforms (Shopify, BigCommerce, WooCommerce)
Variable advance selection (50%, 75%, 90%, or 100%) per invoice to optimize costs
Credit line intelligence sharing to empower sales teams with approved customer limits
AI-powered credit decisions often within minutes or hours, while traditional factors may take one to two days depending on underwriting

Pricing Structure:

Fees are based on advance percentage—a 100% advance costs 3.5% while fees vary by terms and risk; Resolve also advertises a flat 3.5% fee for 30-day net terms with a 100% advance for 30-day net terms
No setup fees, monthly minimums, or long-term contracts
Advance rates typically 90%, with options for 50%, 75%, or 100% based on risk profile
All AR platform features included in pricing—no separate software costs

Resolve's platform transforms the entire B2B payment lifecycle by combining what were previously disparate resources—embedded credit expertise, embedded invoice financing, and embedded payments—into a single solution. The platform's LLM-powered invoicing workflow automatically syncs transactions across systems, while its AI agents manage collections workflows to reduce DSO and accelerate cash flow.

Unlike traditional factoring where the factor contacts your customers directly—potentially signaling financial distress—Resolve maintains your brand relationship through a white-label experience. This approach has helped over 12,000 businesses enhance customer loyalty while streamlining operations.

Resolve's modern architecture enables seamless integration with leading ERP and accounting platforms including QuickBooks, NetSuite, Xero, and Sage Intacct, as well as e-commerce platforms like Shopify and BigCommerce. This connected ecosystem eliminates manual data entry and reconciliation errors that plague traditional factoring relationships.

2. FundThrough — Maximum Advance Rates for Pure Financing

FundThrough represents a modern approach to invoice factoring with a focus on maximum advance rates and accounting software integration. Founded in 2014, the platform has funded over $2.7 billion to SMBs through its digital-first approach.

Platform Strengths:

100% advance rate (full invoice value minus fees) paid upfront
QuickBooks and Xero integration for seamless accounting
No long-term contracts, enabling spot factoring flexibility
Next-day funding after approval
Transparent fee structure

Pricing Considerations:

Fees reportedly range from 2.75% to 8.25% depending on risk profile
No setup or monthly fees
Higher-risk invoices command higher fees within the range

While FundThrough excels at providing maximum immediate cash through its 100% advance rate, it lacks the comprehensive AR automation platform that Resolve offers. Businesses using FundThrough still need separate software for invoicing, payment reminders, and collections management. Additionally, like traditional factoring, FundThrough's model involves third-party customer notification, potentially impacting merchant-customer relationships.

3. altLINE — Competitive Transaction Fees with Bank-Backed Stability

altLINE, a division of The Southern Bank, offers competitive transaction fees with the stability of FDIC-insured banking. Operating since 2006, the company provides traditional invoice factoring with transparent pricing.

Key Advantages:

Fee range of 0.5% to 3%, among the most competitive for pure factoring
Bank-backed stability through The Southern Bank
Large invoice capacity up to $4 million per month
QuickBooks integration for basic accounting connectivity

Cost Considerations:

Estimated $350-$500 origination fee creates upfront cost barrier
Typical 6-12 month contracts limit flexibility
No AR automation platform included

altLINE's primary advantage lies in its low transaction fees, making it attractive for businesses that only need invoice financing without additional AR automation features. However, companies would need to invest separately in AR software (estimated $3,600-12,000 annually) to achieve the comprehensive workflow that Resolve provides in a single platform. Additionally, altLINE's factoring model still requires third-party customer notification and collection.

4. RTS Financial — Industry-Specialized Freight Factoring

RTS Financial specializes in freight and trucking factoring, offering industry-specific solutions that general factoring companies can't match. Operating since 1983, the company provides tailored services for transportation businesses.

Industry-Specific Features:

Advance rates up to 90% for qualified carriers
Same-day funding for approved invoices
Fuel card programs and other trucking-specific benefits
Load board integrations for seamless workflow

Limitations for General B2B:

Specialized exclusively for freight/trucking industry
Limited applicability for non-transportation businesses
Traditional factoring model with third-party collections

RTS Financial demonstrates how specialized factoring can serve niche industries effectively, but its narrow focus makes it irrelevant for most general B2B businesses seeking alternatives to Riviera Finance. Companies outside the transportation sector would need to look elsewhere for comprehensive solutions.

5. Triumph Business Capital — Transportation-Focused with Technology Investment

Triumph Business Capital combines traditional factoring with technology investments, primarily serving the transportation sector. Founded in 1992, the company has expanded its offerings beyond basic factoring.

Transportation-Specific Offerings:

Freight factoring with competitive advance rates
Fuel management solutions
Mobile applications for drivers and dispatchers
Equipment financing options

General B2B Limitations:

Heavy focus on transportation industry
Limited capabilities for non-freight businesses
Traditional factoring notification requirements

Like RTS Financial, Triumph's specialization in transportation makes it unsuitable as a general Riviera Finance alternative for most B2B businesses. Companies in other industries would find the platform's capabilities misaligned with their needs.

6. Scale Funding — Flexible Factoring with Broad Industry Acceptance

Scale Funding offers flexible invoice factoring across multiple industries, operating since 1994. The company provides traditional factoring services with some modern touches.

Platform Characteristics:

Accepts diverse industries (excluding some high-risk sectors)
Flexible advance rates and terms
Online account management portal
Non-recourse options available

Traditional Factoring Limitations:

Third-party customer notification required
No AR automation platform included
Limited technology integration capabilities
Contract requirements typical of traditional factoring

Scale Funding represents a middle-ground option between legacy factoring and modern platforms, but still lacks the comprehensive AR automation, white-label customer experience, and e-commerce integration that Resolve provides. Businesses would need separate software investments to achieve comparable functionality.

7. eCapital — Large-Scale Factoring for Established Businesses

eCapital serves established businesses with large invoice volumes, offering traditional factoring with higher funding limits. Operating since 2006, the company focuses on businesses with substantial financing needs.

Key Capabilities:

Maximum invoice size up to $30 million
Multiple factoring programs for different business types
International factoring capabilities
Non-recourse options available

Technology Limitations:

Traditional factoring model with third-party collections
Limited AR automation features
No e-commerce or point-of-sale integration
Contract requirements typical of traditional factoring

eCapital serves a specific segment of large, established businesses with substantial financing needs, but its traditional factoring approach lacks the modern AR automation and customer experience enhancements that Resolve delivers. Companies seeking comprehensive payment solutions would find eCapital's offering incomplete compared to Resolve's full-stack platform.

Making the Right Choice for Your Business

When evaluating Riviera Finance alternatives, consider your specific business needs beyond just factoring fees:

For Comprehensive AR Automation: Resolve provides the only complete platform that includes financing alongside AR automation, invoicing, payment reminders, and collections management. Traditional factoring companies require separate software investments.

For Customer Relationship Protection: Resolve's white-label payment portal maintains your brand relationship, while all traditional factoring models require third-party customer notification that can signal financial distress.

For E-commerce and Digital Sales: Resolve's embedded net terms enable point-of-sale financing for online B2B sales, impossible with post-invoice factoring models.

For Cost Optimization: While altLINE offers lower transaction fees (0.5-3%) and Riviera provides competitive rates, Resolve's all-in pricing includes AR platform value that competitors charge an estimated $3,600-12,000 annually for separately.

For Implementation Speed: Resolve integrates in 1-2 weeks with existing accounting and e-commerce systems, while traditional factoring typically requires 3-5 days for basic setup but lacks platform integration capabilities.

According to industry analysis, the key differentiator isn't just financing—it's the complete transformation of the B2B payment workflow. Resolve's approach as your "credit team on tap" delivers not just working capital but operational efficiency, customer relationship enhancement, and sales growth through informed credit decisions.

For businesses ready to move beyond traditional factoring to a modern, comprehensive B2B payments platform, Resolve's implementation team provides dedicated support through integration and onboarding to ensure seamless adoption.

Frequently Asked Questions

What makes Resolve different from traditional factoring?

Resolve differs fundamentally from traditional factoring by providing a complete AR automation platform that includes financing, rather than just invoice factoring alone. Unlike Riviera's model that requires third-party customer notification and collection, Resolve maintains your brand relationship through a white-label payment portal. Additionally, Resolve offers embedded net terms for e-commerce platforms and shares credit line intelligence with merchants to drive sales—capabilities impossible with traditional factoring.

How does Resolve's platform streamline B2B payments?

Resolve's platform uses AI-powered credit decisions that deliver results in minutes to hours versus the 24-48 hours typical of traditional factors. The platform's LLM-powered invoicing workflow automatically syncs transactions across systems, while AI agents manage collections workflows with automated payment reminders. This reduces manual workload and accelerates payment cycles through automation and accelerates cash flow through faster credit decisions and streamlined reconciliation.

Can Resolve help offer net terms without credit risk?

Yes, Resolve provides non-recourse financing with up to 100% advance, meaning you face zero risk if customers default on payments. Resolve takes on the credit assessment, credit decision, and majority risk of late payments or defaults, allowing you to offer net terms as a sales tool without jeopardizing your cash flow or assuming financial risk.

What are typical Resolve fees?

Resolve's fees are based on advance percentage—a 100% advance costs 3.5% while a 90% advance on a $1,000 invoice has a fee of around $26 (approximately 2.6%) for 30-day net terms. Unlike traditional factoring that charges separately for financing and AR software, Resolve includes the complete AR automation platform in its pricing. This all-in approach often proves more cost-effective than paying factoring fees plus an estimated $3,600-12,000 annually for separate AR software.

How quickly does Resolve fund invoices?

Resolve typically provides funding within 1 business day after invoice approval. The platform's AI-powered underwriting enables faster credit decisions than traditional factors, with results often available in minutes to hours rather than the 24-48 hours typical of Riviera Finance and other traditional factoring companies.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.