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…
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.…
The Third Pillar: Layers of Oversight Following the difficult task of sourcing opportunities and the rigor of the underwriting process the work of managing risk through effective and efficient portfolio management begins. It is not enough to thoughtfully choose opportunities and robustly scrutinize the collateral and business plan at the start of the relationship. There is as much (or…
The Four Pillars of Strength – Pillar #2 – Robust and Efficient Underwriting: The Backbone of Smart Lending Welcome to the second installment of our Four Pillars of Strength blog series. In private credit, success hinges on more than opportunity—it demands precision, discipline, and a deep understanding of risk. Robust and Efficient Underwriting is at the heart of Garrington’s investment philosophy, a…