garrington group of companies

What garrington group of companies does

Garrington Capital, operating under the Garrington Group of Companies, is a Toronto-headquartered alternative finance provider founded in 1999 that delivers transitional funding to small and medium-sized enterprises across Canada and the United States. The company offers five core lending products: Asset-Based Lending (collateralized working capital), Invoice Factoring (receivables purchase at a discount), Equipment Financing (acquisition and leasing), Lender Financing (capital provision to other lenders), and Opportunistic Finance (customized structures for niche or complex situations). Revenue is generated through transaction-based fees, interest spreads, and origination charges on each financing arrangement, with pricing individually negotiated based on borrower profile, collateral quality, deal size, and structure.

The company's go-to-market combines a direct sales-led approach targeting SMBs with a structured Partner Programs division that includes a Referral Program (for accountants, lawyers, and brokers introducing clients), an Emerging Commercial Finance Firms program (for startup lenders), and a White Label Program (for institutions offering branded lending products). Distribution is anchored by offices in Toronto and Cedar Park, Texas, enabling cross-border deal execution. The group also includes two affiliated wholly-owned operating companies, BakerGarrington and Liquid Capital Corp, broadening its commercial finance footprint. Industry positioning is supported by memberships in SFNet and the International Factoring Association.

Garrington's underlying technology stack is not publicly disclosed; the company emphasizes a flat organizational structure that gives borrowers direct access to senior decision-makers and frames its value proposition around personalized service, decades of in-house lending experience, and comprehensive back-office support rather than proprietary technology. Scale signals include $5 billion in cumulative capital deployed and 3,000+ businesses served since inception, but the company provides no headcount, revenue, or capital structure disclosures, limiting quantitative diligence.

Name

garrington group of companies

Legal name

Garrington Capital

Website

https://garringtongroupco.com

Company type

Private

Founded year

1999

Operating status

Operating

Short description

Garrington Capital, part of the Garrington Group of Companies, is a Toronto-based alternative lender founded in 1999 that provides asset-based lending, invoice factoring, equipment financing, lender financing, and opportunistic finance to small and medium-sized businesses across Canada and the United States.

Ownership category

akta.pro rank

Product category

Alternative Commercial Lending

NAICS

Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159), Finance Lessors (6172)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industries

Private Credit / Direct Lending (FSAAAHAG), Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

Keywords

• Alternative business lending
• Invoice factoring services
• Asset-based financing
• Equipment leasing financing
• Small business lending

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Asset-Based Lending: Secured lending where borrowers use company assets as collateral to obtain working capital for growth. Revenue generated through interest and origination fees on the loan principal.
2. Invoice Factoring: Purchase of outstanding invoices at a discount, providing immediate cash flow to businesses. Revenue generated through factoring fees based on the volume of invoices processed.
3. Equipment Financing: Acquisition or leasing of essential operational equipment. Revenue generated through financing fees, lease payments, and interest charges.
4. Lender Financing: Capital provision to expand lending capabilities of other lenders. Revenue generated through interest and fees on the financing extended.
5. Opportunistic Finance: Customized financing solutions for niche markets and unique business models. Revenue generated through tailored fee structures based on deal complexity and risk profile.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Garrington Capital provides alternative and transitional financing to small and medium-sized businesses in the United States and Canada through five core lending products: Asset-Based Lending, Invoice Factoring, Equipment Financing, Lender Financing, and Opportunistic Finance. Revenue is generated via interest charges, origination fees, factoring fees, and lease/financing payments on individually underwritten transactions. The firm also operates Partner Programs (Referral, Emerging Commercial Finance Firms, and White Label) that extend distribution to advisors, new finance entrants, and white-label lending partners.

Product overview

Garrington Capital operates as a unified alternative financing platform offering five core lending products: Asset-Based Lending, Invoice Factoring, Equipment Financing, Lender Financing, and Opportunistic Finance. These products serve small and medium-sized businesses in the US and Canada seeking flexible, transitional funding. The company also operates a Partner Programs division with three offerings: a Referral Program for business introductions, an Emerging Commercial Finance Firms program for new market entrants, and a White Label Program for branded private-label lending partnerships. The platform emphasizes personalized service through direct access to decision-makers and provides both funding and back-office support services.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset-Based Lending Secured lending product that lets businesses use company assets such as inventory, equipment, or receivables as collateral to obtain working capital for growth.
• Invoice Factoring Product that purchases outstanding invoices at a discount to provide immediate cash flow to businesses, addressing liquidity gaps from receivables.
• Equipment Financing Product that finances the acquisition or leasing of essential operational equipment, machinery, vehicles, and other capital assets for businesses.
• Lender Financing Capital product that provides funding to other commercial finance firms to expand their asset-based lending operations.
• Opportunistic Finance Customized financing product for niche markets and unique business models, addressing complex or non-standard financing situations.

Quantifiable outcome

• Over $5 Billion deployed since 1999
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• BakerGarringtoncoreOthersAffiliated company within the Garrington Group of Companies. BakerGarrington is co-branded and appears alongside Garrington Capital in the corporate ecosystem.
• Liquid Capital CorpcoreOthersAffiliated company within the Garrington Group of Companies. Liquid Capital Corp operates as part of the corporate ecosystem alongside Garrington Capital.
• SFNetminorOthersIndustry association for asset-based lending and factoring. Garrington Capital maintains membership and displays the SFNet affiliation on their website.
• International Factoring Association (IFA)minorOthersIndustry association for the factoring industry. Garrington Capital maintains membership and displays the IFA affiliation on their website.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• BlueVine: BlueVine is a digital SMB financing platform offering invoice factoring, lines of credit, and term loans. It directly overlaps with Garrington's invoice factoring and working-capital products for US-based SMBs.
• OnDeck Capital: OnDeck provides online term loans and lines of credit to small businesses. Its core short-term SMB lending focus and multi-product approach closely match Garrington's small business lending orientation.
• Fundbox: Fundbox offers invoice-based financing and lines of credit to SMBs via a digital platform. It competes head-to-head with Garrington's Invoice Factoring product for working-capital customers.
• Lendio: Lendio operates an SMB loan marketplace connecting borrowers with multiple lenders, including ABL and equipment financing partners. Its referral-style model parallels Garrington's partner and referral programs.
• CAN Capital: CAN Capital is a long-standing US alternative lender providing working capital, term loans, and SBA loans to SMBs. Its multi-product SMB financing model and longevity make it a direct comparable to Garrington.
• Funding Circle: Funding Circle is an SMB lending platform offering term loans and lines of credit. It competes for the same pool of underserved SMB borrowers that Garrington serves with its alternative financing products.
• AltLine (Southern Communities Capital): AltLine partners with community banks to deliver asset-based lending and factoring solutions to SMBs. Its ABL/factoring focus directly overlaps Garrington's core asset-based lending and invoice factoring products.
• National Funding: National Funding provides working capital loans, equipment financing, and merchant cash advances to small businesses. Its multi-product SMB lending portfolio closely mirrors Garrington's offerings.

Emerging players

• Accion: Accion provides inclusive financing to small and micro businesses, including in Canada through Accion Canada. It targets a related but more mission-driven segment of SMB borrowers than Garrington's commercial clients.

Broad incumbents

• BDC (Business Development Bank of Canada): BDC is a Canadian Crown corporation providing financing, including asset-based and growth capital, to Canadian SMBs. As a broader incumbent in the same geography, BDC competes indirectly with Garrington's Canadian operations.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/garrington-group-of-companies

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about garrington group of companies