Riviera Finance vs. RTS Financial
Both serve freight & trucking and manufacturing and oil & gas. Here's how their published terms compare. "Not published" means we couldn't find the figure on the company's own site.
RTS Financial
Overland Park, Kansas
4.8(244 reviews)Editor score 58.6/100 · How we score
Read the reviewIn our freight ratings, Riviera Finance scores higher (88.9 vs. 58.6 out of 100). Scores weigh reviews, BBB record, contract flexibility and support — not price.
Terms side by side
| Riviera Finance | RTS Financial | |
|---|---|---|
| Advance rate | Up to 95% [source] | More than 90% [source] |
| Factoring fee | Percent of invoice at a pre-determined rate; not published [source] | Not published; varies by volume and account [source] |
| Recourse | Non-recourse [source] | Not published |
| Contract length | Six-month standard term, adjustable [source] | Not published |
| Minimum volume | No monthly minimums [source] | Not published |
| Funding speed | Within 24 hours of receipt for verified invoices on pre-approved customers [source] | Within 24 hours, including bank holidays [source] |
| Fuel program | Fuel card at about 1,800 locations; no set-up or monthly fees [source] | RTS fuel card with diesel discounts [source] |
| Credit checks | FastCredit automated approvals 24/7/365 at no extra cost [source] | Approval based on your customers' credit, not your balance sheet [source] |
| Founded | 1969 [source] | 1995 [source] |
| Headquarters | Not published | Overland Park, Kansas [source] |
| Parent company | Not published | Shamrock Trading Corporation [source] |
| Advertised features | Non-recourse, No minimum volume, Free credit checks, No long-term contract | Same-day funding |
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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