RIVA Portfolio Guard

From Reactive Collections to Proactive Portfolio Intelligence

Post-funding portfolio monitoring and early-warning intelligence. Portfolio Guard is designed to help identify changing merchant conditions and potential signs of distress before an account becomes a larger recovery problem.

Monitored Signals

Depending on available connected data, Portfolio Guard can monitor:

Payment Performance

Track on-time, late, and missed payments across the portfolio.

Missed or Irregular Payments

Surface payment irregularities as they emerge.

Revenue Deterioration

Monitor for declining merchant revenue trends.

Cash-Flow Changes

Identify shifts in merchant cash-flow patterns.

Account Balance Trends

Watch for changing bank balance trajectories.

New MCA Positions / Stacking

Detect additional positions that may signal overleveraging.

What Portfolio Guard Is Designed to Do

Identify early indicators of distress
Surface accounts requiring attention
Help funders intervene earlier
Move from reactive collections to proactive portfolio management

Portfolio Guard does not prevent defaults. It is designed to help funders identify early indicators of distress and surface accounts requiring attention.

See Portfolio Guard in Action

Schedule a demo to see how RIVA monitors your funded portfolio.