Twinco Capital is a technology company.
Twinco Capital has raised $13.0M across 2 funding rounds.
Key people at Twinco Capital.
Twinco Capital has raised $13.0M in total across 2 funding rounds.
Key people at Twinco Capital.
Twinco Capital has raised $13.0M in total across 2 funding rounds.
Twinco Capital's investors include Mundi Ventures, Oyster Ventures, Quona Capital.
Twinco Capital is a fintech company, not an investment firm, specializing in sustainable supply chain finance. It provides purchase order financing to suppliers of large corporations in retail and apparel, advancing up to 60% of order value within 48 hours and the remainder upon delivery, leveraging machine learning, business performance, and ESG data for risk assessment.[1][2][4] Serving over 150 suppliers across 13 countries, Twinco addresses working capital gaps for SMEs, has grown 3x in four years, and raised $71.3 million in combined debt and equity, including a $53 million facility from BBVA Spark.[1][5] Its mission is to deliver affordable funding early in production cycles, fostering competitive, socially responsible global supply chains and inclusive growth.[4]
Twinco Capital was founded in 2019 by female entrepreneurs Sandra Nolasco (CEO) and Carmen Marin (COO), though some sources note 2016 as an earlier incorporation date.[1][2][5] Nolasco holds an MSc in Sustainable Development from the London School of Economics, bringing expertise in ESG-focused finance, while Marin emphasizes technology-driven supply chain insights.[1][4] The idea emerged to reinvent global supply chain financing by incorporating ESG criteria and early funding, targeting the $2.5 trillion trade finance gap hitting SMEs in emerging markets.[2][3] Early traction came from equity investments by Quona Capital, Working Capital Fund, Mundi Ventures, and Finch Capital, enabling rapid scaling to 150+ suppliers and 3x growth.[1]
Twinco rides the wave of fintech innovation in supply chain finance, addressing SME liquidity amid global disruptions like post-pandemic shortages and geopolitical tensions.[1][2] Its timing aligns with rising ESG mandates and the $2.5 trillion trade finance gap, particularly for emerging market suppliers, enabling scalable BNPL-like models for B2B trade.[2][3] Market forces favoring Twinco include corporate demands for resilient, sustainable networks and investor interest in impact fintech, as seen in BBVA Spark's support for high-impact firms.[1][5] It influences the ecosystem by digitizing invoices, payments, and risk tools, empowering 150+ suppliers across 13 countries and setting a benchmark for ESG-embedded financing.[1][4]
Twinco's momentum—3x growth, $250+ million financed, and recent €50 million BBVA debt—positions it for deeper penetration into retail/apparel and beyond.[1][5] Next steps likely include geographic expansion, platform enhancements for more sectors, and larger facilities amid tightening global trade regulations. Trends like AI risk analytics, stricter ESG reporting, and supply chain digitization will propel it, potentially evolving its influence from niche financier to ecosystem shaper for inclusive global production.[2][3][4] As a pioneer in fair trade funding, Twinco exemplifies how fintech unlocks SME potential in fragmented chains.
Twinco Capital has raised $13.0M across 2 funding rounds. Most recently, it raised $9.0M Series C in January 2023.
| Date | Round | Lead Investors | Other Investors |
|---|---|---|---|
| Jan 1, 2023 | $9.0M Series C | Mundi Ventures, Oyster Ventures, Quona Capital | |
| Feb 1, 2021 | $4.0M Series B | Mundi Ventures |
