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Access cash as you need it.
Magnolia’s Asset-Based Lending (ABL) program is a simple, flexible, and convenient revolving line of credit that allows you to borrow money based on the total value of your Accounts Receivable and inventory. We offer customized lines of credit from $1 to $10 million that you can use when you need it, rather than on an invoice-by-invoice basis.
As you grow, your ability to borrow grows, with no long-term contracts, early termination fees, monthly minimums, or unused line fees, giving your business the flexibility it needs to reach its goals. It’s a great way to address your needs today and get on the path to traditional bank financing in the future.
How Asset-Based Lending Works.
Flexible credit
Instead of factoring or buying your invoices, Magnolia Financial uses a borrowing base to give you a revolving line of credit primarily determined by the bulk availability of your invoices and inventory.
Seamless processing
As your customers make payments to you via a secure lockbox, the payments are immediately applied to your account at Magnolia to reduce your credit line.
Why you should choose Magnolia Financial.
Credit that grows with you
Draw from a revolving line of credit based on your bulk receivables and inventory that can grow as you grow.
Financing for where you’re at
Get a credit decision that’s focused on the collateral value of your Accounts Receivable and inventory, rather than the cash flow and the strength of your financial statements.
Personal service
Take advantage of the expertise of your dedicated Account Executive and a management team that’s personally interested in your success.