Skip to main content

How does invoice factoring create working capital for businesses?

Invoice Factoring FAQs

Unlike working capital loans, invoice factoring (also known as accounts receivable factoring, payroll factoring, freight bill factoring) maximizes your working capital without creating debt, while protecting you from unpaid bills. Using non-recourse invoice factoring, you simply sell your invoices to Riviera Finance for immediate cash flow.

Invoice factoring today is one of the most popular working capital strategies. Brokers? Call us today.

Look to Riviera Finance to improve your business working capital. Our services include:

  • Invoice factoring
  • Payroll factoring for staffing firms
  • Freight bill factoring for carriers and brokers
  • Cash flow management
  • Managing working capital strategies
alternative financing options

Working capital loans are not the answer. Employ working capital strategies that work by asking your brokers to contact us today.

While working capital loans create debt and can be difficult to obtain, a Riviera Finance accounts receivable factoring, freight bill factoring or payroll factoring line produces no debt and is simple to establish. All of our invoice factoring products will create immediate cash flow and maximize working capital. Discuss your working capital strategies with Riviera Finance, just as many thousands of businesses and financial brokers have done over the years.

Call a Riviera Finance office and find out how invoice factoring and accounts receivable factoring can be a source of business working capital . Need more cash flow and more services than working capital loans will provide? Turn to working capital strategies that work and turn your accounts receivable into ready cash.

Our Process

Checklist and Shield Icon



Complete form & become a Riviera client

Handshake icon



You deliver your products or services

Receipt Icon



Send your invoices to Riviera Finance

Bills - Icon


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

Google Rating
Based on 724 reviews