Twinco Capital

The next generation of supply chain finance

Providing suppliers with access to working capital, early in the production cycle.

Twinco Solution

What we do Twinco Capital engages with large corporates to offer their suppliers access to affordable funding, from purchase order to final invoice payment. It is a unique model that significantly reduces risk and financing costs. Twinco helps build competitive and socially responsible supply chains.

Funds early in the production cycle

Twinco funds up to 60% of the purchase order value upfront, and the remaining, immediately upon delivery. Providing suppliers the liquidity they need, when they most need it.

Offers an affordable and agile solution

Affordable funding, available to suppliers in one click. A flexible solution, adapted to the commercial processes of each customer.

Backs strong relationships

No L/c’s, no collateral and no complex documentation. We rely on the strength of commercial relationships to fund both small and large suppliers, anywhere in the world.

Unique Platform

Capitalise on your strong commercial relationships

A full digital experience, from start to end.

Built by trade finance experts, it is fully adapted to the requirements of global companies.

Access affordable funding, at any time, from anywhere in the world!

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Our Mission

Our mission is to give producers all over the world access to affordable working capital, fostering competitive global production networks and empowering companies to be the motor of inclusive growth and improved livelihoods.

Our Values

We empower - we are the multiplier, the facilitator, the stepping stone... we strive to unlock the full potential of companies and people.

We add - we are obsessed with adding value, and generating opportunity in everything we do. We always strive to improve what we do and who we are. We foster excellence.

We ask - we don't take anything for granted... we have curious minds and always ask ourselves whether there's a better way to do it. We are prepared to lead the change. We foster original thinking and entrepreneurship.

We collaborate - we embrace knowledge and skill, from anybody, anywhere, with an open mind. We foster an inclusive, diverse and fulfilling environment.

We deliver - we deliver on our commitments to our clients, our people and stakeholders, by combining focus, agility and transparency.


We believe in the power of common goals, hard work and shared returns.

Sandra Nolasco CEO

Experienced banker, specialist in trade finance, with an international career spanning over 20 years.

Before setting up Twinco Capital, Nolasco was Managing Director at BBVA and head of Structured Trade Finance. She joined BBVA in 2009 having held several senior global positions in both structured and transactional trade.

Sandra started her trade finance career with Fortis Bank commodity trade finance team, first in Rotterdam dealing with asset-backed finance, then in London leading the structured commodity portfolio in Latin America and finally in Sao Paulo, as Chief Representative Officer Brazil.

Before she ventured into the trade finance arena, Sandra worked as an associate consultant at Mckinsey & Co in Portugal, and at Semapa S.A. as an internal advisor.

Sandra holds a Msc. in Economics and an MBA from Universidade Nova de Lisboa, Portugal.

Carmen Marín COO

Carmen has an extensive experience in banking, with over 16 years of her professional career in Grupo Santander. She joined Santander in 2000 as a member of the Strategic Investments team, analysing and investing in equities for several proprietary portfolios.

In 2008, she moved into the Global Project Finance Group, where she led transactions globally, in different sectors (Infrastructure and Natural Resources) across different geographies (from Europe to the US). In 2013, Marin took full responsibility for the origination and the execution of global transactions as Global Head of the Energy & Natural Resources team in Europe.

Carmen holds an International Business degree from ICADE and ESC-CESEM and is a CFA Charterholder.

Arancha Díaz-Lladó CSO

Arancha Díaz-Llado has a broad experience in defining, implementing, and reporting Environmental Social and Governance (ESG) corporate strategies. Her broad professional track record combines a solid expertise on ESG issues, with a finance and control proficiency and a broad experience in public policy advocacy. This diverse background allows her to move from an ESG strategic vision to a more practical hands-on delivery of workable solutions.

She began her professional career with a series of short assignments for various United Nations agencies (UNICEF, UNESCO and UNIDO) and the European Commission. In 2000, she joined the Telefónica Group, progressing from Finance control to Business Strategy and Institutional affairs. From 2015, until she joined Twinco Capital in September 2020, she served as the Global Director of Sustainable Innovation of the Telefónica Group.

She holds a MSc. in Sustainable Development at the London School of Economics and Political Sciences.

Mariano Klein CDO

Hands-on technology expert, with years of experience both in large corporates and startups. He is a specialist in building SAAS platforms, digital marketing and strategic technical planning.

Mariano started his digital career in 2000, at Arthur Anderson, leading the Spanish front-end technology department.

In 2004, he ventured into the digital marketing arena, having worked for some of the most important advertising agencies in Spain, as a creative technical director, leading digital campaigns for companies such as Vodafone, Telepizza, Ballantines, etc.

In 2007, he decided to follow his entrepreneurial ambition and has since then founded and advised several startups, such as and more recently, a website builder with more than 2 million webpages created to date.

Alberto Borobio Business Controller

Alberto is an experienced financial controller with a focus on financial institutions, having covered commercial banking, consumer finance and corporate banking.

He started his career in Cooperative Bank Caja Rural de Soria, where he grew to be the bank’s Chief Financial Officer. He later moved to Bank of America, as a Senior Finance Manager in the consumer lending department and, in 2009, he joined Banco do Brasil to take the role of CFO Spain, where he managed the financial matters of the Spanish subsidiary of the bank and was involved in the European regulatory, compliance and financial projects.

Alberto has a Degree in Business Administration and Management at Universidad de Salamanca, Master in Finance from Universidad Comercial de Deusto and Master in Management of Credit Institutions from U.N.E.D.

Jorge Sobrón Risk Director

A Risk specialist with extensive experience in management and control functions in banking institutions. Jorge has a cross vision of risk management and its levers.

He began his career in the Santander Group, growing from Financial Management to the Risk area in different Group entities, covering consumer finance, commercial banking, and securities services. Prior to joining Twinco, Jorge served as Risk Manager in Crédit Agricole Group.

Jorge has a Degree in Economics by Universidad Complutense de Madrid, a Master’s course in Environment Economics by Norwegian University of Life Sciences, a Master´s Degree in Finance by Universidad Complutense de Madrid and a Master´s Degree in Risk Management by AFI Escuela de Finanzas.

Alfonso Arias Risk Specialist

An economist by training, Alfonso has strong numeracy and analytical skills. His at his best when number crunching.

Before joining Twinco, Alfonso was a junior adviser at the Spanish Economic & Trade office in London, focusing on investment and sector analysis for Spanish companies investing in the UK.

Alfonso holds a BSc in Economics and Finance by Universidad Autónoma de Madrid and a master’s degree in International Management by ICEX-CECO and Universidad Internacional Menendez Pelayo.

Santiago Álvarez-Tólcheff Data Scientist

Santiago is a researcher at heart, who feels comfortable with open problems that require thinking out of the box.

After finishing his degree in Physics, Santiago started his career as a Research Assistant, first at the Theoretical Condensed Matter Physics department of the Universidad Autónoma de Madrid, and then in the Cancer Biology department of the Instituto de Investigaciones Biomédicas (UAM-CSIC).

Santiago left the academia to join Twinco, where he discovered his passion for data science.

He holds a Bachelor in Physics by Universidad Autónoma de Madrid and is also a musician.

Rita Vasques Senior Relationship Manager

With over 16-years international career in the capital markets division of banks like Socgen, HSBC and BBVA, Rita has strong track record of developing and maintaining successful customer relationships with large corporates.

Between her last work at BBVA and joining Twinco, Rita ventured into the world, travelling with her family and two small backpacks for an entire year… Just the type of curious minds, with broad interests, that are needed to “raise a startup”!

Rita holds a Msc. in Business from Universidade Nova de Lisboa, Portugal. Several finance courses from London School of Economics, UK and MBA from University of Navarra (ISEM), Madrid.

Miguel Ángel Alonso Senior Relationship Manager

A sourcing manager specialised in EMEA markets with more than 20 years of international experience and in-depth knowledge of the retail supply chain.

Miguel joined El Corte Ingles (ECI) in 1998 in the Finance Control Department, but soon moved to the Purchasing area as Buyer.

In 2005 he joined the Hong Kong local office as Business Development Manager, starting a 10-year international career that brought him also to India and Thailand.

During his time in India, he developed both the Indian and the Bangladeshi markets, establishing what is today one of ECI’s strongest supplier base. In Thailand, he was responsible for Asia Sourcing teams that covered China, Bangladesh, India, Pakistan and Asean countries. Prior to joining Twinco, Miguel was already back in Madrid, as Global Sourcing Manager.

Miguel holds a Bachelor in Business Administration from CEU San Pablo, a Master in Quality Control Auditing, and is currently pursuing an MBA.

Marta Gómez-Jordana Relationship Manager

Marta knew from early on that her interest lied in the financing world.

During her academic years, Marta took every opportunity to work in the area. She was an analyst in the derivatives and structured product team at BNP Wealth Management, did research and business development support at MCH Private Equity in Madrid, and added international experience by taking summer internship positions in Banco Santander, both in Boston and London.

She discovered her interest for global trade finance at Twinco, where since 2018, she has been developing strong commercial relationships with producers around the world.

Marta holds a BSc. in Business Administration and Law from CUNEF

Yuyan Lai Relationship Manager

Yuyan is an international young professional, with a keen interest in finance and business management.

Before Twinco, she worked as a trademark attorney in a leading Chinese intellectual property law firm and as a business strategy analyst at Audi.

As a student, Yuyan had also taken several volunteer work positions with Enactus China and with TEDxX’ian 2015.

She holds a Master’s in Management degree from IESE Business School and a B.A. in Business English.

Alejandro Gimeno Developer

After graduation in 2004, he joined a scientific project (Atomic Force Microscopy) to develop analysis and control software where he mastered best practice implementations and building efficient solutions.

In 2014, he decided to found Treebit Technologies to develop web platforms and mobile apps that have already been downloaded more than 20M times.

Alejandro holds a bachelor's degree in computer science from Universidad Autónoma de Madrid in Spain.

Roberto Rebollo Developer

Bachelor in Computer Science, Roberto is a skillful fullstack developer with a career spanning over 15 years.

He is focused on design of elegant front-end solutions in the least amount of time and capable of finding efficient solutions that meet complex requirements.

With a wide experience in startup companies, his creativity and passion for technology led him to the creation of Treebit Technologies in 2014, where he created several mobile apps and online platforms.

Join the team Make a difference

Creative thinkers, problem solvers or globe trotters!

Data Scientists, financiers, trade specialists or marketing wizards...

We are building an exceptional team of bright, driven people, that want to make a difference.

Please send us an email with your resume attached to


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Next generation of supply chain finance

For additional information, please get in touch!

You can send us an email at or reach us at +34 915 141 965

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