Garrington Capital

Garrington Capital is a Toronto-based nonbank lender founded in 1999, serving businesses across the United States and Canada. It focuses on asset-based financing for entrepreneurs and established operators who need capital outside traditional bank channels — particularly those with strong receivables, inventory, or equipment to leverage. Products include accounts receivable financing, invoice factoring, inventory financing, and equipment finance, with deal sizes ranging from $250,000 to $30 million. No minimum credit score is required, so underwriting leans on asset quality rather than personal credit history. The $250,000 minimum monthly revenue threshold means Garrington is best suited for businesses with real operating scale. With over $5 billion deployed since inception and active facilities across 39 U.S. states and Canadian provinces, it's a well-established lender with meaningful reach for mid-market borrowers.