Accounts Receivable Financing

Accounts Receivable Financing from Magnolia allows your company to borrow against your outstanding business-to-business receivables. We give you a cash advance the day you invoice, so you don't have to wait 30, 45 days or more for the capital you need to run and grow your business. Magnolia Financial provides you more flexibility than you would get with traditional invoice factoring or invoice discounting because you're borrowing against your invoices rather than selling them.

How does it Work?

  • Instead of waiting for your customer to pay, submit your invoice to us as soon as you need the cash.
  • Borrow up to 90% of the invoice that same day.
  • Your customer makes the payment to YOU through our secure lockbox service. Magnolia collects payments for you and refunds you the balance, less our fee.

Magnolia Financial Staff and Client Meeting

Why choose Magnolia Financial?

  • Increase cash flow now by getting up to 90% of the money you're owed in less than 24 hours of submitting an invoice.
  • Go after new business knowing you're backed by a lender that knows you personally and understands your company's operations and needs.
  • Benefit from the flexibility of our nontraditional borrowing model and the variety of products we provide to enhance your A/R line of credit.


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What our Clients Say

Kerry Coker, KAMADO JOE

Kerry Coker, KAMADO JOE

"A Breath of Fresh Air"

"The Magnolia guys have a real ‘can do’ attitude. Marc Smith and his team are super responsive and upbeat. They can fund within a matter of days. They are always looking for positive opportunities for their clients. It's a breath of fresh air to work with someone like that."

Frank Workman, Dealers Supply & Lumber Company

Frank Workman, Dealers Supply & Lumber Company

"Available when we needed them"

""Magnolia was really available when we needed them, and the leadership at Magnolia was empathetic to the cold, harsh nature of traditional banking. It gave us a tremendous amount of comfort during a difficult time. Marc Smith and his team really understood where we were, where we were going and gave us the help we needed to get there.""

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