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.
Your invoices should fuel your growth, not slow it down. We turn unpaid invoices into working capital — so you can seize opportunities the moment they appear.
Main Solutions
Purpose-built funding structures for businesses that can't afford to wait on slow-paying customers.
Accounts Receivable Factoring
Transform your receivables into immediate working capital. Up to 85% advance rates with transparent terms and no hidden fees.
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Construction & 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.
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MCA Refinancing
Trapped in a merchant cash advance with crushing daily payments? We help companies refinance MCAs into structured factoring facilities with predictable, manageable terms.
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CFO 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.
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Why choose Twin Oaks?
Beyond capital, we're building partnerships. 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.
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.
How it works
Submit invoices
Send us your outstanding invoices from creditworthy customers. No lengthy paperwork — just a short application and basic details about your customers.
Receive 70–85% advance
We advance the majority of the invoice value within days. Once your facility is set up, most advances fund within a single business day.
Customer pays invoice
Your customer pays the invoice directly on their normal terms. Nothing changes for them — they continue paying on the schedule you already agreed.
Remaining balance released
We release the remaining balance to you, minus our small fee. No hidden costs or surprise deductions — every fee is spelled out upfront.
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.
From debt trap to doubling in size
Factoring frequently asked questions
Straight answers, no jargon. Can't find what you're looking for? Call us at 203 979 9815.
You sell your outstanding invoices to us at a discount. We advance you 70–85% of the invoice value right away, your customer pays the invoice on their normal terms, and we release the remaining balance to you minus our fee.
Funding in as little as 48 hours from application. Once your facility is set up, subsequent invoice advances typically fund within a day.
We offer factoring facilities from $50,000 to $750,000, with capacity up to $2M in select cases, structured around your receivables and growth plans.
No surprises and no hidden fees — radical transparency is one of our core values. Every term is explained clearly before you sign.
A short application, your outstanding invoices, and basic information about your customers. Our founder-led team reviews everything personally — no algorithms, no bureaucracy.
B2B companies across construction, telecom, staffing, distribution, municipal services, oil & gas, and more — with purpose-built programs for construction and telecom subcontractors, plus MCA refinancing for companies looking to escape daily-payment debt.
Unlock the capital tied up in your invoices.
Apply in minutes. Funding in as little as 48 hours.