RIVA Portfolio Economics

Know the Economics Before You Choose the Path

Decision intelligence for funder economics. Portfolio Economics helps funders understand the financial consequences of different account-management strategies.

Path Comparison

A contractual receivable does not automatically equal economic recovery.

C

Continue

Maintain contractual payment schedule.

Projected Recovery$42,000
Estimated Costs$2,000
Time Horizon6-9 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 Horizon3-4 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 Horizon5-8 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 Horizon9-14 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.

Economic Factors RIVA Evaluates

Capital at Risk

Remaining receivable and exposure on the account.

Expected Recovery

Projected recovery based on path and conditions.

Broker / Origination Economics

Commissions and origination costs already paid.

Recovery Expenses

Costs associated with the recovery process.

Collections Expenses

Third-party collection fees and costs.

Potential Legal Expenses

Legal escalation costs and attorney fees.

Time-to-Recovery

Expected timeline for each available path.

Economic Impact of Reconciliation

Projected outcome difference with reconciliation.

Understand Your Recovery Economics

See how Portfolio Economics models your account outcomes.