# Riviera Finance Review

> Riviera Finance is a long-established invoice factoring company that advances cash against your unpaid business-to-business invoices instead of making you wait 30–90 days for customers to pay. Because approval centers on your customers' creditworthiness, it can be more accessible than a traditional loan for growing companies with reliable clients.

## Key takeaways
- Riviera Finance is a full-service invoice factoring company (founded 1969) that advances cash against unpaid B2B invoices rather than making a loan.
- Approval centers on your customers' creditworthiness, so it can be more accessible than a bank loan for newer or growing businesses.
- It offers a non-recourse option and handles collections for you, though factoring fees reduce what you collect and customers are notified to pay Riviera directly.

## Riviera Finance at a glance

Riviera Finance is a **full-service invoice factoring company** founded in 1969,
with offices across North America. Rather than lending you money, it **buys your
unpaid business-to-business invoices** and advances you cash right away — a useful
tool when customers take 30, 60, or 90 days to pay but your payroll and expenses
can't wait.

### How factoring works

Factoring isn't a loan. Here's the basic flow:

- **You deliver work and invoice your customer**, then submit that invoice to
  Riviera instead of waiting to be paid.
- **Riviera verifies the invoice and advances a large portion** of its value,
  typically within 24 hours.
- **Riviera collects payment** directly from your customer and manages the
  receivable.
- **Once the customer pays, Riviera releases the remaining balance**, minus its
  factoring fee.

Because the advance is based on invoices you've already earned, factoring **scales
with your sales** rather than capping you at a fixed loan amount.

### Who it's best for

Riviera fits **B2B companies with creditworthy customers** that need steadier cash
flow — common in staffing, transportation, manufacturing, and distribution.
Approval leans on your customers' ability to pay, so it can work for younger or
growing businesses that might not qualify for a bank line. Riviera also offers
**non-recourse** factoring, which can protect you if a customer fails to pay due to
insolvency.

### How to decide

Factoring has a cost: the factoring fee reduces what you ultimately collect on
each invoice, and your customers are usually notified to pay Riviera directly. For
businesses that value fast, predictable cash flow and want collections handled,
that trade can be worth it. Compare a couple of factoring options before
committing — you can apply once through Hoss Capital and we'll match you with
Riviera and comparable providers. Terms change, so confirm current rates and
details directly before signing.

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Sources:
- https://www.rivierafinance.com
- https://www.rivierafinance.com/how-factoring-works/
- https://www.rivierafinance.com/what-is-factoring/