Tag: relationships

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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The Garrington Edge – Volume 14

The Garrington Edge – Volume 14

ABL Series, Blog 3: When the Stars Align (and When They Don’t) Not every deal is a slam dunk in private credit—and especially in asset-based lending. But every deal does tell a story. Some are thrillers, some are cautionary tales, and the best ones have a bit of both. Today, we’re taking you inside a recent US$7 million financing we…

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The Garrington Edge – Volume 13

The Garrington Edge – Volume 13

ABL Series – Part Two: How We Do It Properly Last week, we unveiled Asset-Based Lending (ABL)—what it is and why it matters. This week, we’re going a step further, exploring how we do it and why thoughtful diligence and disciplined underwriting are the foundation of our approach. Because in ABL, details matter. And done right, ABL can be a…

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The Garrington Edge – Volume 12

The Garrington Edge – Volume 12

We Can’t Wait to Explain Asset-Based Lending – Here’s Why Having delved into the intricacies of invoice factoring, we’re thrilled to move on to our next lending vertical, asset-based Lending (ABL). And yes, we get it: at first glance, terms like “liquidation values,” “advance rates,” or “inventory financing” might not exactly ignite everyone’s excitement. But honestly, we can’t help ourselves—we…

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The Garrington Edge – Volume 11

The Garrington Edge – Volume 11
The Power of Relationship Lending in Private Credit Great lending is not about choosing between relationships and numbers but mastering both. In today’s world, financing decisions are often made by algorithms and rigid models that leave little room for nuance. While we embrace data and rigorous underwriting, we also know that lending is more than just a formula—it’s about understanding…

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The Garrington Edge – Volume 10

The Garrington Edge – Volume 10

How Do We Factor Invoices? We’ve previously discussed the mechanics of invoice factoring, but what does this process look like in real-world practice? How do we ensure we’re mitigating risk while creating value and security for our investors? Factoring is much more than purchasing invoices—it’s about understanding businesses, securing collateral, and verifying every step to protect our capital. Every deal…

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The Garrington Edge – Volume 9

The Garrington Edge – Volume 9

A Deeper Look At Factoring and its Investment Potential Last week, we introduced invoice factoring—a key strategy in our portfolio that provides businesses with immediate liquidity by unlocking cash tied up in receivables. If you missed it, click here to catch up. This week, we’re going deeper, focusing on how factoring works and why it presents an attractive, risk-mitigated opportunity…

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The Garrington Edge – Volume 8

The Garrington Edge – Volume 8

Unlocking Liquidity: An Introduction to Invoice Factoring In the world of private credit, capital is the engine that drives growth, yet many businesses find themselves stuck in neutral with cash flow tied up in unpaid invoices. Picture a manufacturer poised to fulfill its largest order or a staffing firm striving to meet payroll for its growing workforce—only to face delays…

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The Garrington Edge – Volume 7

The Luxury of Choice in Private Credit:  Why Multi-Vertical Lending is Our Secret Sauce   At Garrington, we don’t believe in rigid, one-dimensional lending strategies. Instead, we embrace optionality, flexibility, and the ability to take what the market gives us. This secret sauce allows us to generate consistent, risk-adjusted returns while providing real financing solutions for businesses that need capital to grow. We’ve built…

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The Garrington Edge – Volume 6

The Garrington Edge – Volume 6
The Pacing of Cash Flows: A Deliberate Approach to Private Credit In private credit, success isn’t just about finding great opportunities—it’s about having the liquidity and discipline to execute when they arise. At Garrington, we’ve built our investment philosophy around a fundamental principle, and here we discuss the fourth pillar of our investment philosophy series: the pacing of cash flows.…

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