Twin Oaks Finance

    Case Studies

    Real results for real businesses.

    See how growing companies use factoring to solve cash flow problems and scale.

    Telecommunications Construction

    From MCA debt to doubling in size

    Challenge

    A fiber construction company was trapped in a $120K merchant cash advance with daily payments draining cash flow. They couldn't take on new projects or grow.

    Solution

    We refinanced the MCA and provided a $500K factoring facility, giving the company predictable access to working capital tied to their receivables.

    Results

    $120K MCA refinanced$500K factoring facility securedTook on 2 new major projectsDoubled company revenue within 12 months

    "Twin Oaks got us out from under the MCA in two weeks. Six months later we were bidding on projects we never could've touched before."

    Staffing Agency

    Bridging weekly payroll with 60-day receivables

    Challenge

    A staffing agency placing temporary workers in warehouse and logistics roles needed to meet weekly payroll while their enterprise clients paid on 60-day terms.

    Solution

    We established a $200K factoring line that funded weekly, allowing the agency to confidently take on larger client contracts.

    Results

    $200K revolving facilityWeekly funding cycles40% growth in placementsExpanded to 3 new client accounts

    "I was turning down contracts because I couldn't float payroll for 60 days. Now I say yes and the money's in my account before Friday."

    Municipal Services

    Scaling government contracts without bank debt

    Challenge

    A janitorial and maintenance company serving school districts had secured two new contracts but lacked the working capital to hire staff and purchase supplies.

    Solution

    We advanced against their government receivables, providing immediate cash flow to ramp up operations for the new contracts.

    Results

    $150K facilityFunded 2 new contractsHired 25 additional staffZero personal guarantees required

    "We won the contracts but couldn't start without capital. Twin Oaks funded us against the invoices and we were fully staffed within three weeks."

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