American Receivable vs Riviera Finance: Which Should You Use?
A field-by-field comparison of American Receivable and Riviera Finance — published terms, positioning, who each suits, and what to check before signing. Our commercial position on both is stated up front.
Our position on both
We have no commercial relationship with American Receivable. We have no commercial relationship with Riviera Finance. See the full rate card.
American Receivable and Riviera Finance both provide invoice and freight factoring, and on the surface the products look similar. The differences that matter are in positioning, contract posture and what each company is willing to publish. This page puts them side by side on the same fields.
Published terms, side by side
| Field | American Receivable | Riviera Finance |
|---|---|---|
| Advertised rate | From 0.8% | Not published |
| Advance rate | Up to 95% | Not published |
| Recourse | Recourse and non-recourse | Non-recourse (full-service) |
| Contract | No long-term contracts | Not published |
| Monthly minimum | None (no monthly minimums or maximums) | Not published |
American Receivable terms from americanreceivable.com · Riviera Finance terms from www.rivierafinance.com — read 2026-07-29. We re-check monthly.
Only terms at least one company publishes are shown. Neither publishes: typical small-operator rate. We never fill a gap with an estimate. Method →
What each is actually optimising for
American Receivable
One of the most transparent all-industry factors we track — publishes rate floor, advance, contract posture and minimums together.
- From 0.8% published
- Up to 95% advance
- No minimums
- No long-term contracts
- Recourse and non-recourse
- 40+ year history
Riviera Finance
Full-service non-recourse factoring with a physical branch network — unusual in a market that is almost entirely remote.
- Non-recourse full-service
- Branch network across the US
- Credit checks
- Dispatch
- Insurance
- 50+ year history
Choose American Receivable if
- Small businesses wanting published terms before a call
- Companies with irregular volume that cannot commit to minimums
- Operators who want the choice between recourse and non-recourse
Choose Riviera Finance if
- Businesses that want a local office and a named person
- Companies wanting non-recourse as the default, not an upsell
- Non-trucking businesses needing full AR management
Where each one is the wrong choice
Skip American Receivable if
- You are a trucking-only operation wanting a bundled fuel card and load board
- You need very large facility sizes
Skip Riviera Finance if
- You want the cheapest rate — full service costs more
- You prefer a purely app-based relationship
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What to check with each before signing
American Receivable
"From 0.8%" is a floor tied to strong customer credit and volume. Ask what your actual quoted rate is at your real invoice profile.
Riviera Finance
Full-service means Riviera manages collections and contacts your customers. Confirm exactly how they communicate with your clients before signing — that relationship is yours.
How to actually decide between them
With rate data incomplete on both sides — which is the normal condition of this market — the decision comes down to four things you can establish yourself in one phone call to each.
- Will they take you? Authority age, business size or industry, and volume floor. This eliminates one of them more often than price does.
- What does a slow month cost? The monthly minimum, not the rate, is what hurts at low volume. Price your worst realistic month under each.
- How do you get out? Term, notice window, termination fee, UCC release speed. Ask for all four in writing.
- What does the non-recourse actually cover? Request the covered-event definition, and one example of a claim each has declined.
Then put the two written offers in front of each other. Quoted terms in this market move when there is a credible alternative on the table, and they rarely move without one.
Our read on each
American Receivable: The published-terms benchmark for small-business factoring. Start here when comparing.
Riviera Finance: The full-service, non-recourse, human-contact end of the market. Priced accordingly.
Both judgements are about published positioning and structure, not about a rate verified for your specific business.
Full reviews
- American Receivable review — published terms, who it suits, what to check
- Riviera Finance review — published terms, who it suits, what to check
Compare against all 34 companies in the index →