Author page: Jaclyn Richard

The Garrington Edge – Volume 25

The Garrington Edge – Volume 25

From Fraud Alerts to Forged Steel: A Refreshingly Solid Story In our last blog, we dove into the darker side of lending, fraud. If you missed it, you can catch up here. It’s the bogeyman of the balance sheet, and while vigilance will always be part of our DNA, we thought it was time to swing the pendulum back to…

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The Garrington Edge – Volume 24

The Garrington Edge – Volume 24

When the Numbers Lie: A Real-World Reminder About Fraud and Safe Lending In lending, fraud is the word no one wants to say out loud, but every credit professional thinks about. It’s the shadow in the room, the what-if that lives behind even the cleanest deal file. And while no lender can eliminate the risk of fraud, we believe you…

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The Garrington Edge – Volume 23

The Garrington Edge – Volume 23

Lending Series | Part 6: Specialty Finance – Lending Beyond the Labels And just like that, we’ve reached the final chapter of our Lending Series. If you’ve been following along since our first entry on invoice factoring (complete with cash flow analogies and collateral talk), thank you if you’re joining us now — welcome to the least defined by design,…

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The Garrington Edge – Volume 22

The Garrington Edge – Volume 22

Lending Series | Part 5: Real-World Lender Finance in Action Last week, we shared an overview of Lender Finance — a lending vertical where we provide senior revolving lines of credit secured by the loan portfolios of finance companies. This week, we’re continuing the conversation by bringing it to life. We often say that experience is everything in this space.…

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The Garrington Edge – Volume 21

The Garrington Edge – Volume 21

Lending Series | Part 4: Lender Finance After a brief pause from our lending vertical series, we’re back — and this week, we’re diving into one of the more technical but quietly powerful components of our strategy: Lender Finance. Lender Finance doesn’t always get the spotlight, but it’s foundational for us. It’s where structured credit meets real-world lending platforms—and where…

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The Garrington Edge – Volume 20

The Garrington Edge – Volume 20

Why Transparency Builds Trust — Insights from Our Q1 Investor Call Last week, we hosted our Q1 investor call, and we were encouraged by the turnout. Attendance was strong, the questions were sharp, and the engagement reinforced our belief that informed investors make the best partners. These quarterly calls aren’t marketing presentations. They’re open forums where we share portfolio updates,…

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The Garrington Edge – Volume 19

The Garrington Edge – Volume 19

How to Spot a Strong ABL Transaction (and Why It Matters to Investors) “Since 1999, we’ve reviewed thousands of lending opportunities—and passed on many. The reason? Discipline.” Not all collateral is created equal in asset-based lending, especially revolving lines of credit. While prospects (and their advisors) are often eager to rush into term sheets, seasoned lenders know that what looks…

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The Garrington Edge – Volume 18

The Garrington Edge – Volume 18

When Collateral Has Fine Print: What Contracts Really Tell Us “A contractual right to bill is not the same as a contractual obligation to pay.” – A great Greek credit philosopher (or perhaps just a seasoned lender we respect) In private credit, that quote captures a truth we’ve lived with since our earliest days in the industry. With roots going…

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The Garrington Edge – Volume 17

The Garrington Edge – Volume 17

When not to Fund: Why We Prioritize Discipline Over Deals This week’s blog draws on themes we recently shared in our investor newsletter — a message we believe is worth reinforcing more broadly. Whether you’re reading this as part of our regular blog series or saw a similar message in your inbox earlier this month, the principles behind it are…

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The Garrington Edge – Volume 16

The Garrington Edge – Volume 16
Commercial SME Finance When we talk about private credit, much of the focus is on the direct borrowers —  the manufacturers, distributors, and service providers that make up the backbone of North America’s real economy. However, the chain has another vital link: the lenders that serve these businesses. Welcome to Part 3 of our Lending Series: Commercial SME Finance. In…

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