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What is payroll financing and how does it work?

Invoice Factoring FAQs

What is payroll financing?

Does Riviera Finance Provide payroll financing services? Yes. We offer full payroll services through our affiliates, and can integrate them seamlessly into our invoice factoring program. Using AR factoring with our payroll financing service, you can obtain full-service payroll funding and credit management, with additional working capital to grow your company. Ease your business capital burdens by maximizing cash flow with Riviera Finance.

Why Companies Prefer Riviera Finance as The Full-Service Payroll Financing Solution

Our financing services include:

  • Payroll Financing
  • Payroll Funding
  • Invoice Factoring
  • Payroll Processing Services
  • Credit Management
  • Cash Flow Support
New Mexico - working capital for business

Unlock funding for growth & expenses from your outstanding receivables

Depending on your preference, Riviera can provide AR factoring only, or a complete package of cash flow and payroll financing services. When you make contact with a Riviera Finance financial representative, you can discuss your working capital needs and they will help you find the best solution.

Our AR factoring program allows you to receive immediate payroll financing by submitting signed time cards and invoices. Use invoice factoring with our credit management and payroll processing services as a complete solution for your business, improving your business capital while managing your back-room administration.

Businesses that use our payroll financing service quickly find that Riviera Finance is no ordinary payroll funding company. For more than 50 years, we have helped over 10,000 clients, providing cash flow and credit management through innovative AR factoring programs. Whether you need payroll services, working capital through invoice factoring, or a complete business capital solution, we can help.

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?

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