Post-Funding Portfolio Intelligence

Know Which Accounts
Are at Risk — Before They Become
a Recovery Problem

RIVA Portfolio Guard gives MCA funders post-funding visibility into changing merchant conditions, surfaces early indicators of distress, and connects that intelligence to economic decision tools and Rapid Reconciliation when intervention is needed.

Portfolio Guard

RIVA Monitoring · Live

ACTIVE

2

Performing

2

Attention

1

Elevated

1

Review

Summit Bakery LLC

MCA-4821 · On Schedule

$48.2K/mo

Performing

Blue Ridge Auto

MCA-4822 · Irregular

$31.4K/mo

Attention

Harbor Freight Co

MCA-4823 · Missed 1

$22.1K/mo ↓18%

Elevated Risk

Metro Fitness Group

MCA-4824 · Missed 2

$15.8K/mo ↓34%

Intervention Review

Pioneer Supply Chain

MCA-4825 · On Schedule

$62.7K/mo

Performing

Cedar & Oak Dining

MCA-4826 · Late 3 days

$19.3K/mo ↓7%

Attention

Recent Risk Signals

Revenue ↓ 18%

Harbor Freight Co

Intelligence Layer

Meet RIVA

Rapid Intelligence and Viability Assistant

RIVA is the intelligence layer powering Rapid Reconciliation. It is designed to help MCA funders monitor post-funding performance, identify accounts requiring attention, analyze changing merchant conditions, and evaluate the economics of potential intervention.

Portfolio Data
RIVA Intelligence
Risk Signals
Economic Analysis
Recommended Review
Rapid Reconciliation
The Post-Funding Blind Spot

Funding the Deal
Is Only the Beginning.

Revenue can decline

Merchant top-line softens over weeks or months.

Payments become irregular

Missed or late payments signal cash-flow stress.

Additional positions may appear

New MCA stacking changes the merchant's obligation load.

Traditional servicing is reactive

Changes are often discovered only after a payment problem occurs.

Rapid Reconciliation is designed to give funders greater visibility between origination and recovery.

1

Funded

2

Performing

3

Change Detected

4

Risk Identified

5

Decision

6

Intervention

RIVA operates between "Funded" and "Intervention"

The RIVA Lifecycle

Monitor → Detect → Analyze → Decide → Reconcile → Recover

The complete post-funding intelligence and intervention lifecycle.

1

MONITOR

RIVA Portfolio Guard monitors supported post-funding financial and payment signals.

2

DETECT

Surface changes and potential indicators of merchant distress.

3

ANALYZE

RIVA organizes available merchant, position, agreement, cash-flow, and portfolio intelligence.

4

DECIDE

RIVA Portfolio Economics helps evaluate the economics of available paths.

5

RECONCILE

Rapid Reconciliation provides structured workflows when modification or reconciliation is appropriate.

6

RECOVER

Give funders better infrastructure for managing distressed receivables and potential recovery outcomes.

RIVA Portfolio Guard

From Reactive Collections to
Proactive Portfolio Intelligence

Portfolio Health

Accounts Performing142
Accounts Requiring Attention38
Elevated Risk19
Reconciliation Review10

Total Active Accounts

209

Recent Risk Signals

LIVE

Revenue Change Detected

Harbor Freight Co · Revenue ↓ 18% over 30 days

NEW

Payment Irregularity

Blue Ridge Auto · 2 late payments in 14 days

NEW

New Position Signal

Metro Fitness Group · Additional MCA position detected

ACTIVE

Cash Flow Deterioration

Cedar & Oak Dining · Bank balance trending down

ACTIVE

Account Requires Review

Metro Fitness Group · RIVA status: Intervention Review

ACTIVE
RIVA Portfolio Economics

Know the Economics
Before You Choose the Path

A contractual receivable does not automatically equal the funder's economic recovery. Broker commissions, cost of capital, servicing, collections, legal expenses, recovery percentages, and time can materially change the economics of an account.

C

Continue

Maintain contractual payment schedule.

Projected Recovery
$42,000
Estimated Costs
$2,000
Time Horizon
6-9 mo
Capital Exposure
$48,000
Net Economic Outcome
$40,000
RIVA Recommended
R

Reconcile

Structured modification with monitoring.

Projected Recovery
$38,500
Estimated Costs
$3,500
Time Horizon
3-4 mo
Capital Exposure
$48,000
Net Economic Outcome
$35,000
C

Collections

Third-party collection recovery.

Projected Recovery
$24,000
Estimated Costs
$9,600
Time Horizon
5-8 mo
Capital Exposure
$48,000
Net Economic Outcome
$14,400
L

Legal

Legal escalation and enforcement.

Projected Recovery
$18,000
Estimated Costs
$14,000
Time Horizon
9-14 mo
Capital Exposure
$48,000
Net Economic Outcome
$4,000

Conceptual illustration only. Actual outcomes depend on individual account circumstances, available data, and funder decisions.

Rapid Reconciliation

When Intervention Is Needed,
Rapid Is Already There

RIVA identifies and analyzes potential problems. Rapid Reconciliation provides the infrastructure to act.

1

Risk Identified

2

Financial Analysis

3

Agreement Intelligence

4

Reconciliation Modeling

5

Funder Review

6

Documentation

7

Modified Payment Structure

8

Continued Monitoring

Why Funders Use Rapid

Built for Post-Funding Intelligence

Earlier Visibility

Identify changing account conditions before they become larger recovery issues.

Portfolio Intelligence

Bring post-funding data and risk signals into one operating environment.

Economic Decision Support

Understand the potential economics of different recovery paths.

Structured Intervention

Move qualifying accounts into an organized reconciliation workflow.

Funder Control

The platform provides intelligence and infrastructure while the funder maintains decision authority.

Continuous Lifecycle

Connect origination performance, monitoring, intervention, reconciliation, and continued monitoring.

RIVA Agreement Intelligence

RIVA Reads the Agreement.
You See the Reconciliation Provisions.

RIVA analyzes MCA agreements and identifies contractual reconciliation provisions where supported.

Agreement Uploaded

RIVA Analysis

Reconciliation Clause Detected

Contract Terms Extracted

Source Citation

Reconciliation Review

Source Citation Example

"...in the event of a material change in the merchant's financial condition, the funder may, upon written notice, enter into a reconciliation arrangement with the merchant to modify the payment structure..."

— Section 7.3, Merchant Cash Advance Agreement

Note: RIVA provides source citations from the agreement. Contractual and legal interpretation remains subject to appropriate review.

Built for the MCA Ecosystem

Who Uses the Platform

Funders

Portfolio Managers

Risk Teams

Servicing Teams

Recovery Teams

Underwriting Leadership

Executives

FAQ

Funder Questions

RIVA stands for Rapid Intelligence and Viability Assistant. It is the intelligence layer within Rapid Reconciliation designed to help funders monitor portfolio performance, identify changing merchant conditions, analyze account viability, and evaluate potential intervention strategies.

See What's Happening Inside Your Portfolio

See What Is Happening
Inside Your Portfolio

Discover how RIVA Portfolio Guard, Portfolio Economics, and Rapid Reconciliation can give your team greater visibility from post-funding performance through potential intervention and recovery.