Twinco Capital Raises €165M in Funding Round

Twinco Capital, a trailblazer in early-stage supply chain finance, has successfully closed a significant funding round totaling €165 million. This substantial capital infusion is set to accelerate the company's mission to provide critical liquidity to suppliers, particularly in emerging markets, long before traditional financing methods become accessible.

The funding comprises two key components: a €15 million Series B equity round and a €150 million securitization facility. The equity portion was spearheaded by the Dutch development bank FMO, demonstrating strong institutional backing for Twinco's innovative model. Participating alongside FMO were existing investors Quona Capital and Working Capital Fund, alongside a notable new commitment from Bankinter. This strategic investment from Bankinter underscores the growing recognition of fintech solutions that address fundamental working capital challenges.

Twinco Capital distinguishes itself by offering financing at the point of purchase order, a departure from conventional factoring or invoice discounting. By leveraging proprietary risk intelligence and real-time operational data, the platform underwrites supplier execution risk at scale. This approach has enabled Twinco to facilitate over $1 billion in financing across thousands of transactions since its inception, maintaining a remarkable track record of zero losses. The company currently supports global supply chains for prominent international brands such as Centric Brands in the US, Lojas Renner in Brazil, Mango in Spain, and Vertbaudet in France.

The supply chain finance market is experiencing robust growth, driven by increasing globalization and the demand for more agile working capital solutions. Traditional financial instruments often fall short in providing timely support to smaller suppliers, creating bottlenecks in production and trade. Twinco's technology-driven platform addresses this gap by offering speed, operational ease, and a high degree of digitalization, making international trade finance more accessible and competitively priced.

Bankinter's involvement highlights a strategic push by traditional financial institutions to engage with and invest in innovative fintech companies. César Calvo, Director of Strategy at Bankinter, commented on the investment, stating that the bank aims to support forward-thinking companies like Twinco, which has carved out a strong position in the expanding supply chain finance sector where Bankinter possesses considerable expertise.

This dual-pronged funding strategy—combining equity for growth and a securitization facility for lending capacity—positions Twinco Capital for significant expansion. The €150 million securitization facility, backed by another financial institution, will significantly enhance the company's ability to deploy capital and serve a growing roster of clients. The company's success in securing such substantial funding reflects the increasing investor confidence in fintech solutions that offer tangible benefits and address critical market needs.