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Factor Your Freight Invoices to Access Working Capital

Is Your Trucking Company Running Out of Money?

Anyone in the trucking industry, whether you’re a one truck owner-operator or manage a fleet, needs consistent cash flow. The reality, however, is that many brokers and shippers take weeks or even months to pay their invoices. Lack of working capital can have a serious impact on your business, affecting your ability to fuel your trucks, pay your bills, and haul more loads. Invoice factoring, often referred to as truck factoring, can be an effective solution for truckers wanting to enjoy more consistent cash flow.

What Is Truck Factoring?

Factoring provides a way for truck drivers to receive faster payments for invoices. The factoring process involves selling your load invoices, or freight bills to a factoring company in exchange for a small percentage of the invoice’s value. You then receive payment and your customer pays the factoring company.

How Truck Factoring Works

Once you are approved for factoring, the factoring company pays you most of the invoice’s value. You will usually receive up to 95% of the face value up front, often within 24 hours of delivery and verification. Once your customer pays the invoice, you will receive the remainder of the invoice value with a nominal fee deducted.

Get the most money for your trucking business and leverage the expertise of one of North America’s largest commercial trucking finance companies.

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Our Process

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Complete form & become a Riviera client

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You deliver your products or services

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Send your invoices to Riviera Finance

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Get Paid

Riviera verifies & pays you within 24 hours

How Do I Qualify For Factoring?

Applying and qualifying for truck factoring is usually a simple and straightforward process. It’s much  easier to qualify for factoring than a traditional bank loan. Factoring companies don’t consider your financial situation or credit score, making it easier for new and smaller companies or solo truckers to qualify. You do, however, need to submit invoices from credit worthy customers.  

Truck Factoring Is Easy

The following steps in truck factoring are common for most truck drivers and trucking companies. 

  1. You find a trustworthy factoring company and sign up.
  2. You inform your customers about the factoring arrangement. This is a common practice in the transportation industry, so most businesses are familiar with it.
  3. You haul the load and perform the agreed-upon services for your customer as usual.
  4. You send an invoice to the factoring company.
  5. The factoring company verifies that you made the delivery.
  6. You receive an advance from the factoring company within 24 hours of submitting the invoice and it being verified.
  7. The factoring company collects payment from your customer.
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Benefits of Invoice Factoring

Riviera Finance works with a variety of companies in the US and Canada to help them maintain cash flow and meet weekly financial demands.

Immediate Cash

Our process is built around immediate response to client needs, and the best cash turn around in the industry.

Quick Credit Checks

Receive Credit Checks on Your Customers

Low Risk

Competitive Rates and No Hidden Fees

Financial Freedom

No Debt is Created

Bad Debt Protection

Riviera takes on all the credit risk!

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Complete the form for a Free Consultation.

freight factoring | transportation factoring

Truck Factoring Services

Riviera Finance is a freight factoring company that serves many types of businesses in the trucking, freight, and transportation sector. The following are examples of businesses that can benefit from truck factoring. Rivera Finance factors Owner-Operators and fleets across the trucking industry spectrum, including:

  • Dry Van
  • Intermodal
  • Flatbed
  • Refrigerated “Reefer”
  • Dump Truck
  • Dry Bulk
  • Water/Liquid
  • Aggregate
  • Courier 
  • Vehicle Towing 
  • Auto-Hauling
  • Box Truck 
  • Sprinter Van 
  • Flag/Escort
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Riviera Finance Fuel Card

Fuel discounts / 1,800 locations nationwide / Convenience

Fuel Discounts – Substantial savings at TA and Petro, Speedway, Roady’s & many other locations nationwide
100% Transparency – No account set-up fees or monthly maintenance fees, and low transaction fees
Mobile App / Online Resources – 24/7 Access to Fuel Finder Tool and Online Resources
Universally Accepted – Accepted nationwide at all major chains including Pilot, Flying J & Love’s

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Work With a Top-Rated Factoring Company

There are several reasons so many trucking and freight companies work with Riviera Finance. We streamline your payments, so you have the fast funding you need to manage and grow your trucking business.

Non-Recourse Factoring.

We take the credit risk on broker and shipper invoices factored, not our trucking clients.

Experience and Stability.

You want to work with a dependable and secure company. Riviera Finance was founded in 1969, is still under original ownership, and has earned a profit every year since then.

Maximum Cash Advances.

We pay the highest cash advances in the industry. Our standard advance is 95% of the invoice value.


  • Riviera provides top-rated customer support as well as convenient online access to your accounts.


Ready to get started? Our team moves quickly so that you can get the cash you need to keep growing your business. Get Started Today.

What Our Customers Are Saying

The personnel I deal with on a regular basis at Riviera are very friendly and extremely helpful. If I call with a question or concern, they are prompt in assisting me.

Marjie EllisonDallas, TX

For financing it can't get much easier. Our company has been growing for several years and the growth rates could not have been achieved without the additional financing that Riviera has provided.

Stan ShawPhoenix, AZ

Riviera helps keep a consistent cash flow and help us manage our receivables. They also help keep us from doing business with customers whose credit level is substandard.

John SavastenBirmingham, AL

Not only am I happy that I have a steady flow of cash when I need it but I am treated very well by the people who work there.

Robert GrayPortland, OR

Riviera is the backbone of my business by me knowing I always have a little something tucked away and that I can stand on my own two feet. Not only are they there to help, but they have become friends and family.

Linda VillanuevaBaltimore, MD
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