Viva Capital Funding

Best for: Trucking companies and other B2B businesses (staffing, healthcare, oilfield, construction, manufacturing) whose customers pay on 30- to 90-day terms and who want an advance the same day, including startups and owners with weak credit.

Not for: Businesses that sell to consumers, want a published price list, won't sign a personal guarantee, or invoice customers with poor credit.

Lender List verdict: Viva Capital Funding is a 27-year-old El Paso factor with high advances (up to 100%), no volume minimums, recourse or non-recourse options and a 4.8 Trustpilot score. Pricing is quote-only: at the 2.25% per 30 days shown in its own calculator, a 45-day invoice costs about 30% annualized.

Viva Capital Funding at a glance

Viva Capital Funding buys B2B invoices and offers credit lines up to $15 million, with fees from 0.25%.

What is Viva Capital Funding?

Viva Capital Funding, LLC is an El Paso, Texas factoring company founded in 1999 that has bought more than $2.5 billion in receivables from U.S. businesses. It started with one trucking client and, after four partners joined in 2017, expanded into construction, healthcare, manufacturing, staffing and oilfield work.

Viva funds itself with bank lines and investment-grade notes, most recently $35.5 million in September 2026.

How Viva Capital Funding invoice factoring works

Viva Capital Funding pays you up to 100% of an invoice's value, less its fee, then collects from your customer. Viva credit-checks each customer you choose to factor.

• Advance: Up to 100%; other Viva pages cite 90% to 100% on freight and up to 98% (NerdWallet: depends on industry).
• Volume: No minimum or maximum; spot (selective) factoring is allowed.
• Recourse: Both recourse and non-recourse agreements are available.
• Trucking extras: fuel advances and broker credit checks.

How the funding cycle works

Viva Capital Funding's cycle runs from invoice to rebate in the time your customer takes to pay; Viva's calculator covers 30- to 90-day terms.

1. You do the work and send Viva the invoice.
2. Viva verifies it and advances up to 100% minus its fee.
3. Your customer pays Viva directly, following the notice of assignment.
4. Viva subtracts the advance and its fee and sends you the reserve balance.

Viva Capital Funding advance rate, factor fee, and recourse

Viva Capital Funding advertises rates from 0.25% and, for trucking, from 0.75%, but sets each client's fee by industry, volume, payment terms and customer credit. Its trucking calculator shows 2.25% for 30 days, prorated, as an estimate.

• Charged: a factor fee per invoice, prorated by days outstanding
• Third-party reported: a $1,000 startup fee plus ACH or wire fees (FactoringClub)
• Not charged: minimum-volume fees (FactoringClub)

Worked example: sell a $100,000 invoice and Viva advances 90%, or $90,000. Your customer pays in 45 days, so at 2.25% per 30 days the fee is 3.375%, or $3,375, and you get a $6,625 rebate from the $10,000 reserve. On the $90,000 you used for 45 days, that is about 30% simple annualized (35% compounded). At the 0.75% trucking floor it would cost $1,125, roughly 10% annualized.

Viva Capital Funding requirements

Viva Capital Funding approves accounts mainly on your customers' credit.

Pros and cons

Viva Capital Funding's strengths are high advances and flexibility; its main weakness is a price you see only in a quote.

Pros

• Advances up to 100% of invoice value
• Recourse and non-recourse both available
• Fuel cards with discounts up to 50 cents a gallon
• No minimum volume; factor one customer or one invoice
• Approval in as little as 8 hours; same-day funding
• Bilingual service and a 4.8/5 Trustpilot score from 210 reviews

Cons

• Fees are quote-only; the 0.25% and 0.75% floors don't state a period
• A personal guarantee is required
• A third-party directory reports a one-year contract and $1,000 startup fee
• ACH and wire fees reported (FactoringClub)
• Customers receive a notice of assignment

Viva Capital Funding vs. eCapital vs. Riviera Finance

Viva Capital Funding offers credit lines up to $15 million, versus $5 million to $250 million facilities at eCapital; Riviera Finance does not publish a maximum.

eCapital and Riviera Finance figures are from their own sites, checked 2026-10-26, with third-party notes where marked.

Choose Viva Capital Funding for high advances and no volume minimum. Choose eCapital for a much larger facility. Choose Riviera Finance for non-recourse as the default.

Viva Capital Funding alternatives on Lender List

The closest Viva Capital Funding alternatives are Apex Capital, RTS Financial and OTR Solutions for trucking, and eCapital and Riviera Finance across industries.

• Apex Capital — freight factoring with no long-term contract
• RTS Financial — trucking factoring with same-day pay
• OTR Solutions — carriers paid within seconds, 24/7
• eCapital — larger facilities across industries
• Riviera Finance — non-recourse factoring since 1969
• Browse all invoice factoring companies on Lender List

Frequently asked questions about Viva Capital Funding

Viva Capital Funding is an active El Paso factor, founded in 1999, that advances up to 100% of invoice value.

Is Viva Capital Funding Legit? Yes. Viva Capital Funding, LLC has operated since May 1999, has purchased more than $2.5 billion in receivables, and holds a California Finance Lenders Law license. It carries a BBB A+ rating (not accredited), and Viva Capital Funding reviews average 4.8/5 on Trustpilot (210 reviews). We found no regulatory actions against it.

Where Is Viva Capital Funding Located? Viva Capital Funding is headquartered at 4900 N. Mesa Street in El Paso, Texas. It funds businesses nationwide in any industry, provided your customers have a credit rating and pay in U.S. currency. Its staff serves clients in English and Spanish.

Is Viva Capital Recourse or Non-Recourse? Both. Viva Capital offers recourse and non-recourse factoring agreements. Under recourse terms, if a customer doesn't pay, you buy the invoice back, swap in another, or have it taken from your reserve. Non-recourse moves the customer-credit risk to Viva instead.

Will My Customers Know I'm Factoring? Usually, yes. Viva Capital Funding sends each factored customer a notice of assignment directing them to send payment to Viva. Only customers you choose to factor are contacted, and Viva also lists non-notification factoring as an option for clients who prefer discretion.

Does Viva Capital Funding Work With Startups? Yes. Viva Capital Funding says startups qualify and that, in trucking, your size, credit and financial history won't block you. Approval rests on the credit of the brokers or customers you invoice, so a new carrier hauling for strong brokers can qualify.

Does Viva Capital Funding Require a Long-Term Contract? Viva Capital Funding says its trucking program has no long-term contracts and no minimum volume. FactoringClub, a third-party directory, lists a one-year contract and a $1,000 startup fee. Ask for the term, termination notice and every fee in writing before you sign.

How Fast Does Viva Capital Funding Pay? Viva Capital Funding approves files in as little as 8 hours and aims for 24 hours. Once set up, it pays within 24 hours of buying an invoice, often the same day. Its pages also cite 24 to 48 hours, so get the timeline in writing.

Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.