Lender Financing
With our Lender Finance solutions, we deliver flexible capital to consumer and commercial lenders in an array of different choices, including revolving lines of credit up to $30 Million (or greater for the right situations).
Built for lenders.
By lenders.
Assisting smaller lenders to get the capital they need
Garrington Capital helps factoring, ABL, equipment, consumer finance, and other specialty finance lenders fill capital shortfalls. You can maintain your current relationships while adding new clients with our capital. Through a “win-win” partnership, our team of professionals will help you access funds and take your company’s growth to new levels.
Why Choose US?
Our approach focuses on providing funding to our borrowers in the quickest and most efficient way possible. Garrington Capital has been lending to SME businesses for over 20 years. We understand your issues and have strong solutions for your capital needs. We understand almost all facets of the commercial lending business, with specialized knowledge in several sectors.
We walk in your shoes daily.
What We Offer
Senior Credit Facilities
Garrington Capital provides expertise and creativity in providing senior, revolving facilities. A senior, revolving…
First Out Participations
Garrington Capital can provide a “first out participation” within a single credit facility that you have entered to take on larger credits…
Co-Investment in Your Larger Transactions
Garrington Capital actively looks to purchase participations in your transactions…
White Label Opportunities
Your brand, our expertise. Our funding, service, and management capabilities …
Back-Office Support and Technology Services
As a commercial finance business, you’re used to juggling many…
Growth Capital
Partner with Garrington Capital to receive additional capital to grow your business or acquire another one with equity, subordinated…
Senior Credit Facilities
Garrington Capital has a proven track record of structuring senior credit facilities for lenders across Canada and the US. We build customized revolving facilities that give you the flexibility to draw capital as opportunities arise, without reapplying each time. Grow your lending business with capital when and how you need it.
First Out Participations
Garrington Capital provides first out participation solutions within a single credit facility, allowing lenders to take on larger credits or reduce existing client exposure. Access additional capital independent of any senior facility already in place. Our competitive fees can help blend down client rates or increase your overall returns, with each transaction customized to the risk and situation.
Co-Investment in Your Larger Transactions
Garrington Capital actively looks to purchase participations in your transactions that may be larger than you can accommodate. Relieve concentration concerns, liquidity constraints, or lending limits with client loan participations up to $20 Million.
White Label Opportunities
Your brand, our expertise. Our funding, service, and management capabilities provide us the opportunity to offer our partners a “white label” for factoring, asset-based lending, equipment finance, and opportunistic finance offerings. Your brand, plus our collective expertise, allows you to be present in your market with the ability to provide working capital solutions as needed.
Back-Office Support and Technology Services
As a commercial finance business, you’re used to juggling many balls at the same time – from origination, underwriting, administration, strategic planning, and HR through to access to capital to fund opportunities.
You’re constantly balancing the need to respond quickly, manage risk, and ensure funding capability. So the question is – where is your team’s time best spent? Where do you provide the most value to help drive the growth and health of your business?
Let us help you with certain administrative tasks to help you focus on what you do best.
Growth Capital
Partner with Garrington Capital to receive additional capital to grow your business or acquire another one with equity, subordinated debt, and other funding options.
$2.5 Million
Minimum Loan Size
$30 Million
Max Loan Size
Canada + USA
Geographical Reach
General Terms
- Advance rates of up to 80% of eligible loans
- Up to two year term
- Revolver
- First lien on borrower
Our Customers
- Experienced operators
- High quality character
- Established track record
- Solid business model
Industries We Serve but not limited to
- Sub-prime Auto
- Auto Repair
- MCA
- Secured Consumer Finance
- Factoring
- ABL
- Equipment Leasing