Turn your potential
into growth with the
power of factoring.
While others look at where you've been, we focus on where you're headed. We combine decades of experience with a hands-on approach to help entrepreneurs build something extraordinary.
Solutions
Main Solutions
Accounts Receivable Factoring
Transform your receivables into immediate working capital. Up to 85% advance rates with transparent terms and no hidden fees. Your invoices should fuel your growth, not slow it down.
Learn More about Accounts Receivable FactoringConstruction & Telecom Factoring
Purpose-built for subcontractors and specialty contractors who front labor and materials. We understand progress billing, retainage, and project-based cash flow challenges.
Learn More about Construction & Telecom FactoringMCA Refinancing
Trapped in a merchant cash advance with crushing daily payments? We help companies refinance MCAs into structured factoring facilities with predictable, manageable terms.
Learn More about MCA RefinancingCFO Advisory Services
More than funding — strategic financial guidance from experienced CFOs who help you manage cash flow, avoid costly mistakes, and build a roadmap for sustainable growth.
Learn More about CFO Advisory ServicesWhy Us
Why Choose Twin Oaks?
Beyond capital, we're building partnerships. We understand that growing a business means more than managing numbers — it's about seizing opportunities when they appear.
Founder-Led Underwriting
Every decision is made by the people who built this firm. No algorithms, no layers of bureaucracy — just experienced professionals who understand your business.
Quick, Smart Decisions
Funding in as little as 48 hours. Clear terms, transparent processes, and decisions based on your potential, not just your history.
Technology-Driven Approach
Real-time portfolio tracking and streamlined workflows that give you visibility into your funding status at every step.
Values
Core Values
"Partnership First"
We succeed when you succeed. Every client relationship is built on mutual investment, trust, and a shared drive for results.
"Built by Clients, for Clients"
Our founders were factoring clients themselves. That firsthand experience shapes how we structure deals and treat every partner.
"Growth Mindset"
There's always room to improve. We bring that relentless drive to innovation, efficiency, and helping you scale beyond what seems possible.
"Radical Transparency"
No surprises, no hidden fees. Straight talk and clear decisions, explained at every step of the process.
Testimonials
Success Stories
Twin Oaks didn't just provide capital — they were true partners in our growth. They refinanced our MCA and gave us room to breathe and take on two new major projects within months.
James Carter
Apex Fiber Construction
Process
How it works
Submit invoices
Send us your outstanding invoices from creditworthy customers.
Receive 70–85% advance
We advance the majority of the invoice value within days.
Customer pays invoice
Your customer pays the invoice directly on their normal terms.
Remaining balance released
We release the remaining balance to you, minus our small fee.
FAQ
Factoring Frequently
Asked Questions
Case Study
From debt trap to doubling in size
A fiber construction company came to us buried under a $120K merchant cash advance with punishing daily payments. We refinanced the MCA, secured a $500K factoring facility, and freed up enough cash flow for the company to take on two new projects — doubling in size within a year.
$500K
Factoring facility
2x
Company growth
$120K
MCA refinanced
Unlock the capital tied up in your invoices.
Apply in minutes. Funding in as little as 48 hours.
Apply Now