Timberhub is building a digital marketplace connecting buyers and suppliers across the timber industry. But operating a marketplace creates a challenge traditional lenders struggle with: financing isn’t linear—it has to support the entire flow.
As Timberhub scaled, working capital became a bottleneck. Payment cycles were unpredictable, multi-currency support was inconsistent, and most providers didn’t understand how their model actually worked.
“When you start a company in a new industry, you focus on solving the problem. But as revenue grows, you hit a wall and realise financing also needs solving.” — Giannis Androutselis, Co-founder at Timberhub
The Challenge
Timberhub initially relied on equity and multiple financing providers stitched together over time. But this setup wasn’t built for scale.
Deals with long production and delivery cycles—were difficult to finance reliably. Cash flow became harder to predict. And most lenders evaluated Timberhub as either a buyer or a seller, rather than understanding the full marketplace dynamic.
As a result, growth was constrained—not by demand, but by access to capital.
A Partner Built for How Timberhub Operates
Timberhub consolidated their financing with Two, moving ~90% of transaction volume to a single partner.
This wasn’t just about pricing—it was about finding a partner that could support how their business actually runs.
Built for marketplace workflows
Two’s underwriting and account management align with the reality of multi-party transactions, enabling Timberhub to finance the full flow rather than isolated parts.
“Your account management actually understands our business. You actively look for ways to help us grow, not just provide financing.” — Giannis Androutselis, Co-founder at Timberhub
Multi-currency, without friction
As Timberhub scaled, US sourcing introduced dollar exposure. Two enabled EUR and USD financing, simplifying imports and removing currency friction.
“Even when a market isn’t part of your roadmap, you find a way to make it work for us.” — Giannis Androutselis, Co-founder at Timberhub
Preventive, not reactive
Rather than chasing issues downstream, Two focuses on preventing them upfront—helping maintain strong payment relationships while reducing operational overhead.
The Impact
- Predictable capital — invoices approved end-of-week, paid every Monday. No chasing.
- Streamlined operations — a lean finance setup can focus on strategy, not admin.
- Multi-currency enabled — seamless net terms across markets.
- Export deals unlocked — long-cycle international transactions are now financeable.
“Without Two, part of our top-line revenue just wouldn’t exist.” — Giannis Androutselis, Co-founder at Timberhub
- Faster working capital cycle — predictable inflows + streamlined collections = quicker reinvestment.
“If we had to replace Two with an internal team plus traditional financing, the cost would be much higher—both in time and money.” — Giannis Androutselis, Co-founder at Timberhub
About Timberhub
Timberhub is an end-to-end platform for sourcing timber and forest products across the Nordic region and Europe. Timberhub streamlines quoting, production management, and delivery logistics—enabling companies to source materials efficiently, reduce waste, and scale international operations. With customers across Europe and a deep network of vetted manufacturers, Timberhub has become the trusted logistics backbone for the timber and forest industry.
About Two
Two revolutionises B2B payments by making net-term selling as effortless as card payments. With offices across Oslo, Stockholm, Glasgow, London and New York, and partnerships with leading financial institutions, Two has become the trusted B2B payment enabler for companies globally.
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