eCapital vs. Riviera Finance
Both serve freight & trucking and staffing agencies. Here's how their published terms compare. "Not published" means we couldn't find the figure on the company's own site.
In our freight ratings, Riviera Finance scores higher (88.9 vs. 71.0 out of 100). Scores weigh reviews, BBB record, contract flexibility and support — not price.
Terms side by side
| eCapital | Riviera Finance | |
|---|---|---|
| Advance rate | Up to 100% [source] | Up to 95% [source] |
| Factoring fee | Not published | Percent of invoice at a pre-determined rate; not published [source] |
| Recourse | Recourse and non-recourse [source] | Non-recourse [source] |
| Contract length | Not published | Six-month standard term, adjustable [source] |
| Minimum volume | Not published | No monthly minimums [source] |
| Funding speed | As fast as 1 hour; 24/7/365 transfers [source] | Within 24 hours of receipt for verified invoices on pre-approved customers [source] |
| Fuel program | $2,500 fuel credit standalone; $5,000 and 16,000 locations with factoring bundle [source] | Fuel card at about 1,800 locations; no set-up or monthly fees [source] |
| Credit checks | Unlimited free credit checks [source] | FastCredit automated approvals 24/7/365 at no extra cost [source] |
| Founded | 2006 (group roots) [source] | 1969 [source] |
| Headquarters | Aventura, Florida (eCapital Freight Factoring Corp.) [source] | Not published |
| Advertised features | Same-day funding, Free credit checks | Non-recourse, No minimum volume, Free credit checks, No long-term contract |
Terms are negotiated. The only way to know what you'd pay is to get quotes for your volume and customers.
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