Strong lending relationships start with transparency. The Garrington Lending Perspective is our way of opening the door to how we lend, who we partner with, and what we stand for. Welcome to the first edition of our new blog, a behind-the-scenes look at Garrington.
This series is designed for professionals who facilitate deals, including investment bankers, commercial lenders, M&A advisors, business brokers, and legal professionals, among others. If you’re structuring transactions, navigating liquidity events, or helping businesses grow, this space is for you.
We’re not here to pitch. We’re here to share our approach, as asset-based lenders and as entrepreneurs who understand the nuances of funding businesses in today’s market.
Who We Are
Garrington Capital is one of North America’s most active alternative lenders.
Headquartered in Toronto, with a footprint across Canada and the U.S., our team of over 50 professionals delivers structured credit solutions across a broad range of industries.
Since inception, we’ve deployed more than $6 billion in working capital to thousands of businesses, primarily through asset-based loans, invoice factoring, equipment financing, lender finance, and other secured lending structures.
Our typical loan facilities range from $2 million to $30 million while factoring transactions start at $500,000.
We are, first and foremost, asset-based lenders. We work with businesses — and other lenders — that have tangible assets we can understand, value, and secure. Our underwriting is grounded in collateral and structure but shaped by real-world experience, sound judgment, and a deep understanding of deal dynamics.
We’re also entrepreneurs. We’ve been in the trenches of building and running companies. We understand the pressures, the pivot points, and the need for clarity when capital is at stake. That perspective shapes how we lend and how we work with the professionals who refer us.
What You’ll Find Here
Much of our business originates from relationships, and most of those relationships start well before a deal is on the table. This blog is about creating space for those relationships to grow.
Here, we’ll share:
- Understanding Guiding Principles at Garrington – A closer look at the values that shape how we lend and the principles that help us consistently deliver for our partners and their clients.
- Meet the People Behind the Capital – Over time, we’ll introduce our team members who originate, structure, underwrite and manage our deals, giving you a clearer picture of who’s behind the decisions and why our people are one of our greatest assets.
- Partnership Stories, Not Just Case Studies – Who doesn’t love a behind-the-scenes look at how partnerships succeed? We will showcase real stories of how Garrington has stepped in to help when traditional solutions weren’t an option.
- Knowing When to Call Us – Not every deal is a fit, and that’s okay. But we’ll help you spot the moments when a tailored credit solution can unlock value others might overlook.
We’re disciplined, collaborative, and focused. And while we’re always happy to walk through a deal in detail, we hope this blog makes it easier to understand how we think, so when the time comes, you already know who’s on the other end of the call.
Thanks for being here. We’re looking forward to sharing more perspectives, real stories, and the kind of insights that make partnership easier — and smarter. Whether you’re new to Garrington or have worked with us for years, we hope this becomes a space you’ll return to often.