Built from Experience. Focused on People.
Baker Garrington was founded out of firsthand frustration with the factoring industry. Today, we’re building something better—transparent, flexible financial partnerships that put people first.
From Frustration to Foundation
Baker Garrington was born out of Bob’s firsthand frustration with factoring. Years ago, while running his own business, Bob turned to a factoring company for help with cash flow—only to find himself locked into a rigid, two-year contract. He was forced to factor every invoice, whether he needed the cash or not, and hit with fees even when he didn’t use the service. There was no flexibility, no transparency—and no way out.
That experience stuck with him. So when the opportunity to join the industry as a lender, he took it—and rebuilt it from the ground up with one goal: to create the kind of factoring company he wished existed back then.
Today, Baker Garrington stands for everything Bob couldn’t find at the time: clear terms, 30-day agreements, real people you can talk to, and the freedom to factor only what you need. It’s factoring the way it should be—built on trust, flexibility, and a true partnership.
Our Philosophy: Relationships Over Red Tape
We didn’t build Baker Garrington to be the biggest—we built it to be better. Better communication. Better flexibility. Better relationships. To us, factoring isn’t just a financial transaction—it’s a partnership. We get to know our clients, understand their goals, and help them grow with solutions that actually fit. That’s how we believe business should be done: people helping people, with honesty and accountability.
- People First
We treat our clients like partners, not account numbers. You’ll always have someone real to call when you need help. - Transparency Always
No hidden fees, no fine print, and no surprises. You’ll know exactly what to expect from day one. - Flexibility that Works
Choose which invoices to factor, when to factor them, and walk away anytime with our 30-day agreements. - Real Support
Every client is paired with a dedicated account manager who knows your business and is focused on helping it grow.
Who We Help
We work with companies in oilfield services, freight and transportation, staffing, and other B2B industries—businesses that rely on steady cash flow to cover payroll, fuel, equipment, and growth. Whether you’re running a small crew or a multi-state operation, we offer flexible programs that move at the speed of your business.
Meet the Team
Behind every client relationship is a real person who picks up the phone, understands your business, and works to find solutions. Here are a few of the people you’ll get to know when you work with Baker Garrington.
Bob Baker
Owner
“I built this business to be the kind of partner I wish I had.”
Heidi Johnson
Director, Portfolio Development
“Focused on making every step smooth, fast, and stress-free.”
Brock Baker
Business Development Officer & Marketing
“Focused on building relationships, solving problems, and making sure our clients know we’re in their corner every step of the way.”
Let’s Build Something Better Together
Whether you’re ready to apply or just want to explore your options, we’re here to help—no pressure, no pushy sales calls. Just a real conversation with someone who understands your business.