The founders of Twin Oaks Finance didn't start in finance. They started as business owners — running companies in construction, services, and distribution. They experienced firsthand what it's like to have strong revenue on paper but struggle to make payroll because customers take 60 or 90 days to pay.
They turned to factoring and saw how the right partner could transform a cash-strapped operation into a growing, confident business. But they also saw how the wrong partner — one focused on fees over relationships — could make things worse.
Twin Oaks Finance was built on a simple idea: factoring should be transparent, fast, and run by people who actually understand the businesses they serve. Every underwriting decision is made directly by the firm's owners. Our team includes experienced CFOs who don't just fund your invoices — they help you manage cash flow, avoid costly mistakes, and plan for growth.
