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How can accounts receivable factoring improve my bottom line?

Invoice Factoring FAQs

Accounts receivable factoring, also known as invoice factoring or freight bill factoring, is a popular form of small business financing. Accounts receivable factoring allows you to sell unpaid invoices to an invoice factoring company to get working capital now. You sell your open invoices for immediate cash flow and increase your working capital for payroll funding, cash expenses, business expansion and growth. The invoice factoring company (Riviera Finance) takes a small fee from the amount they pay your business for the invoices sold. The process takes less than 24 hours once the approval process is complete.

Try invoice factoring with Riviera Finance and improve your company’s working capital. We provide:

  • Full-service accounts receivable factoring
  • Accounts receivable management
  • Expertise in small business financing and cash flow management
How PO Financing Works

Get Working Capital When You Need It The Most

Accounts receivable financing provides your business with the cash you need when you need it.

Why do companies use invoice factoring and accounts receivable factoring? This process allows you to improve your business cash flow through accounts receivable factoring and invoice factoring. This form of small business financing provides working capital without taking on new business debt, unlike bank loans or small business loans. Invoice factoring is a seamless process where you sell your open invoices to the factoring company for a small fee. The factoring company will collect payment for those unpaid invoices on your behalf and you will not have to worry about waiting 30, 60 or 90 days for your customers to pay their open invoices. You get immediate access to working capital to use for other business expenses, such as payroll, business operations, investing in new tools or technology and more.

Create an influx of cash for your business by invoice factoring, accounts receivable factoring, and freight bill factoring. Factoring invoices and Accounts receivable financing through the factoring of invoices allows you to access the cash you need to cover payroll funding and other expenses. There are many advantages of invoice factoring compared to other common business finance options like a small business loan.

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

Benefits of Choosing Riviera as Your Factoring Company

Speed of Delivery

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

Dependable Service

We have 125 skilled employees at key locations across the U.S. approving credit, processing invoices, and wiring.

Maximum Cash Advances

We pay the highest cash advances in the industry and strive to fund our clients without holding reserves.


Riviera’s Online Account Management system, your accounts are available online 24/7.


Simple applications, no set-up fees, and no long-term contracts make getting started with Riviera easy.

Personal Service

Hearing what our clients need and consistently delivering it builds trust and a satisfied customer relationship.


To best serve our diverse client base, Riviera has dedicated support, in your time zone, that speak your language.

Financial Stability

You can feel secure knowing that funds are always available for your next funding.

Recent Fundings



Factoring Line


This healthcare staffing business had been operating for a year and was looking to increase working capital to support rapid growth. Initially, they got an MCA loan. The decision caused a reduction in working capital because of high monthly payments and hindered their growth.

Their accountant suggested Riviera to support their working capital needs and future growth with Accounts Receivable Factoring. Riviera Finance was able to payoff the existing loan and provide needed working capital to meet their growing payroll.


Transportation Broker

Factoring Line


Established in 2005, this company needed to maximize cash flow to handle seasonal increases in load volume and a surge in new contracts. Riviera Finance quickly established a full-service factoring line which provides free credit checks and converts invoices to cash within 24 hours. The client is funded twice a week on a non-recourse basis. As a value-add, Riviera Finance prepares and mails checks to the client’s carriers. Between April and June, this client doubled its factored volume and continues to experience healthy growth.


Specialty Wholesaler

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A specialty wholesaler that distributes exclusively to assisted living facilities and the health club industry was looking for a way to grow their business without creating debt. They also needed to find a way to extend large credit lines to customers without risking personal assets. Riviera offered them a way to accomplish both of these objectives. Now after factoring for over a year with Riviera, this company relocated to a state-of-the-art warehouse facility. They are on target to do $5MM in sales, easily meeting payroll and forming a wholesale subsidiary to increase business and profit margins further.

Why Wait?

Start getting paid immediately

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