FundThrough vs Riviera Finance (2026): Fees, APR and Terms Compared
Short answer: Compare cost and size first. FundThrough: 1.9% to 2.9% per 30 days, 100% advance minus the fee (third-party: 2.75% to 8.25%); No stated cap; custom pricing above $1 million outstanding. Riviera Finance: Not published; about 2% per invoice (third-party; basis not published); $5,000 to $2 million credit lines (third-party). The table and profiles below show who each one suits. Figures come from our full reviews of FundThrough and Riviera Finance.
FundThrough vs Riviera Finance at a glance
| FundThrough | Riviera Finance | |
|---|---|---|
| Lender type | Direct invoice factor (non-bank) | Non-bank invoice factor |
| Products | Spot invoice factoring (B2B and government invoices) | Non-recourse invoice factoring; purchase order funding via an affiliate |
| Amounts | No stated cap; custom pricing above $1 million outstanding | $5,000 to $2 million credit lines (third-party) |
| Cost | 1.9% to 2.9% per 30 days, 100% advance minus the fee (third-party: 2.75% to 8.25%) | Not published; about 2% per invoice (third-party; basis not published) |
| Term | Invoices due in 30 to 90 days; no long-term contract | Six-month standard contract, adjustable |
| Funding speed | First funding in days; within 24 hours after that | Within 24 hours of verification; first funding in 4 to 7 working days |
| Founded | 2014 | 1969 |
| HQ | Toronto, ON; U.S. arm FundThrough USA Inc. (Houston office) | Redondo Beach, California (per regulatory filings) |
| Status | Active (October 2026) | Active (checked 2026-10-26) |
Choose FundThrough if
Best for: U.S. and Canadian B2B or government suppliers with large, creditworthy customers who want to fund single invoices on demand, see the price first, and avoid a long-term contract.
Choose Riviera Finance if
Best for: B2B and government suppliers in the U.S. or Canada that bill on 30- to 60-day terms, want cash within a day of invoicing, and want protection if a customer goes bust. Your own credit, revenue and time in business barely matter; your customers' credit does.
Who should skip each
- FundThrough is not for: Construction or real estate businesses, companies that sell to consumers, invoices over 90 days old, or sellers who want protection if a customer never pays. Third-party reviewers report a $100,000 minimum in outstanding invoices to get started.
- Riviera Finance is not for: Businesses selling to consumers, some medical and construction firms, or anyone who wants a published price and the freedom to factor a single invoice with no contract. Expect a six-month standard agreement and a fee you only see in a quote.
Lender List verdict
FundThrough: FundThrough posts its per-30-day pricing and shows the exact fee before you fund, advances the full invoice minus that fee, and lets you pick which invoices to sell. On a 45-day invoice its published 1.9% to 2.9% per 30 days works out to roughly 24% to 37% simple annualized, and the credit risk on your customer appears to stay with you. Riviera Finance: Riviera Finance is a long-running, full-service non-recourse factor that pays within 24 hours of verifying an invoice and absorbs the loss if an approved customer can't pay. That protection isn't cheap: at the roughly 2% fee third-party reviewers report (assumed per 30 days), a 45-day invoice costs about 26% to 35% simple annualized.
Frequently asked questions
Which is cheaper, FundThrough or Riviera Finance? FundThrough: 1.9% to 2.9% per 30 days, 100% advance minus the fee (third-party: 2.75% to 8.25%). Riviera Finance: Not published; about 2% per invoice (third-party; basis not published). Your actual cost depends on the offer and how fast you repay, so convert any quote with our factor rate to APR calculator. Which funds faster, FundThrough or Riviera Finance? FundThrough: First funding in days; within 24 hours after that. Riviera Finance: Within 24 hours of verification; first funding in 4 to 7 working days. How much can I get from FundThrough or Riviera Finance? FundThrough: No stated cap; custom pricing above $1 million outstanding. Riviera Finance: $5,000 to $2 million credit lines (third-party). Read the full reviews: FundThrough review · Riviera Finance review. Figures come from those reviews, which cite the lenders' own pages and third-party sources; see our methodology. Updated 2026-10-27. Pricing varies by offer; confirm with the lender before applying.