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How does invoice factoring compare to a small business loan?

Invoice Factoring FAQs

A small business loan creates debt for your company, while an invoice factoring line does not. Accounts receivable factoring maximizes working capital for payroll funding and other expenses, by simply converting invoices to cash flow.

A factoring company like Riviera Finance bases small business financing approvals on your customers’ credit, while bank loans for small business assess your credit position for approval.

Our Services Include:

  • Accounts receivable factoring
  • Maximum cash flow for payroll funding and growth
  • Cash flow management
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Compare the Services of Riviera Finance to a Small Business Loan.

While loans for small businesses create debt and can be difficult to obtain, Riviera Finance provides small business financing simply and without debt.

New small business loans often produce less working capital than accounts receivable factoring. Our factoring company focuses entirely on maximizing working capital for payroll funding and other business needs in a way basic loans for small businesses can’t. Ask about our small business financing products today.

Discover non-recourse invoice factoring, a great way for your business to generate working capital without the debt burden of new small business loans. When banks turn down loans for small businesses, they often refer them to Riviera Finance for small business financing.

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

Factoring Line


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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