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Our Services

Helping Businesses for More Than 50 Years with Invoice Factoring Services


Non-Recourse Factoring

Riviera provides three components of service under the umbrella of full-service factoring: Finance, Credit Services, and Receivables Management. We guarantee the credit on the invoices we factor.

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Invoice Factoring

Invoice factoring can be an excellent option for companies that need working capital quickly, but who aren’t able to secure a bank loan. Many refer to factoring by several names such as receivables factoring and invoice factoring. Turn unpaid invoices into cash.

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Payroll Financing

Payroll Financing is a good solutions if you are you having trouble making funds available for payroll. Do you have open accounts receivable? Payroll financing will free up funds and cover payroll obligations.

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Cash Flow Management

For anyone with a small or medium sized business, one of the biggest concerns is cash flow management. Cash is the lifeblood of any business. Explore cash flow management services.

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Invoice Financing

Invoice financing is a creative way to gain better control over your business’s cash flow. One common challenge for businesses of all types is having to wait for slow paying customers to pay their invoices. Invoice financing can have a positive impact on your financial situation.

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Accounts Receivable

Accounts receivable factoring is used to smooth out the gaps in your cash flow caused by slow-paying customers. It’s a debt-free way to get paid sooner by unlocking the cash tied up in unpaid invoices. Since it’s not a loan, there is nothing to repay.

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Business Line of Credit

A business line of credit alternative is granted to a business that has enough history to demonstrate its ability to generate cash flow.  The credit line is used to fill in the gaps caused by seasonal issues, unplanned growth, or other causes of cash shortages.

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Business Loan Alternative

When small businesses need working capital, one of the first solutions they consider is a small business loan. This small business loan alternative can help you unlock the working capital you need to grow your business or mange everyday expenses.

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Commercial Loan Alternative

For businesses that need working capital, a commercial loan alternative is always an option to consider. Having healthy cash flow is essential for any business, and a commercial loan can help you purchase essential inventory and invest in marketing.

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Riviera Finance is nationally recognized as a leader in business financing since 1969. Riviera Finance provides full-service, non-recourse invoice factoring to growing companies. If you’re looking for financing options for your small business, you should consider invoice factoring services.

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The Riviera Difference

Founded in 1969, Riviera Finance is nationally recognized as a leader in business financing and a top invoice factoring company. Riviera Finance provides full-service, non-recourse invoice factoring to growing companies.

We are the experts in invoice factoring and accounts receivable management. Riviera Finance maintains offices throughout North America to provide face-to-face service and expert financial solutions to small and medium-sized businesses. Currently serving more than 1,400 clients, Riviera holds an excellent credit rating, has shown consistent, positive earnings and maintains a diversified capital base.

We have more than 25 invoice factoring company offices located throughout the US and Canada to handle all of your invoice factoring needs.

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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.

Frequently Asked Questions

What is factoring?

Factoring is the purchase of accounts receivable for immediate cash. Factoring gives businesses the power to ensure growth without diluting equity or incurring debt. Learn more about what is factoring.

What types of businesses do you factor?

Riviera serves a wide range of industries, including trucking, temporary personnel agencies, printing companies, manufacturers, wholesalers, and many service industries such as janitorial and armed guard services. Most any business that sells a product on terms not exceeding 60 days can use factoring. Learn more about the industries we serve.

How can factoring help increase working capital?

Invoice factoring helps generate working capital for growth and everyday expenses by purchasing your accounts receivable for cash. Turn your unpaid invoices into working capital in as little as 24 hours. Learn more about working capital and cash flow management.

How can freight bill factoring help trucking companies?

Sometimes known as “bill of lading factoring,” our freight bill factoring service creates working capital from your accounts receivable. Learn more about Freight Factoring.

How can I use invoice factoring to improve my company's cash flow?

Invoice factoring, a combination of business capital finance and credit management, allows you to extend credit and still get paid cash for your product or service. This working capital tool maximizes cash flow and is often preferred to small business loans as a flexible method of small business financing. Learn more about cash flow support from Riviera.

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

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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