Contact : 1(605) 216-2196


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About us

We are entrepreneurs, just like you. We understand the pain points, and we know what you need to continue growing your business.

Who we are

Baker Garrington Capital is a full-service working capital and trade finance company. We offer clients a customized and flexible approach, because we’re entrepreneurs as well.

We offer a complete range of solutions for all industries and provide immediate financing upon approval with no long-term contracts or hidden fees. At BG Capital, we help you grow your business.

Integrity: We do what we say

You deserve honesty and efficient service. If we can help you, we will let you know how and we will do what we day. Straightforward pricing, no long-term contracts. 

If we can’t help you, we will tell you. Your time is valuable and not to be wasted on “maybes”. If we can, we will point you to a trusted business we work with who we think may be able to help you.

We meet timelines

We know time is money and you need to know when and how much money you can expect from us. We will be transparent, efficient and we will communicate so that there are no surprises.

We understand

Sometimes issues or challenges arise. Because we spend the time to get to know you and your business, we are uniquely qualified to jump in and help you. We are your partner while business is booming, meeting your expectations, and helping you grow. In challenging times, we put our knowledge and experience at your disposal, working with you to get back on track.

Meet the team

Bob Baker


Bob has owned and managed a finance company focused on factoring since 2011 out of having a very poor experience with a factoring company due to controlling contracts and no flexibility.

Bob used a factoring company and learned that what a salesman says is only sometimes the case after you sign contracts. So after this bad experience, he set out to start a factoring company with the best no-term contracts and the most flexibility in how you and your business use the product.

Bob enjoys working with business owners to show them that factoring is an excellent product when used correctly. This has to start with contracts allowing you to make the decisions for your business rather than being told by a factor that you signed contracts that change how you manage so they maximize their profits.

Bob is just like the business owners he works with, so he understands them and their business. Bob comes from a long-term employment with a government contractor and multiple companies owned with his wife, Andrea.

Heidi L. Johnson

Director, Portfolio Development

Heidi has been a key member of the Baker Garrington team for over 6 years. Heidi has spent the last 30 years in various roles in the commercial and consumer finance and services space. Heidi is a people person who brings her down to earth personality and pursuit of customer service excellence when working with both perspective and long-term clients. In a word, Heidi cares.

Heidi’s spirit of giving is not exclusive to her work at Baker Garrington as she has been a volunteer with the local Yelduz Shriners for many years.

An Aberdeen, SD native, Heidi enjoys spending time with family and friends and can be found on the weekends camping and dirt track racing.

About Garrington Capital

Garrington Capital is a leading North American loan origination, underwriting, and operations platform. Garrington provides working capital lending facilities ranging from $1 million to $30 million to small- and medium-sized companies through creative investment funding solutions. The company has deployed more than $5 billion since its inception. With offices in Austin, Chicago, Toronto and Westport, and now South Dakota, the company currently has approximately 70 employees in Canada and the US. 

Garrington’s leadership team is an experienced, well-seasoned and creative group of investment and finance professionals who have come together with the shared belief that the company is well-positioned to respond to the working capital challenges facing many small- and medium-sized enterprises. We strive to support entrepreneurial businesses with practical and creative working capital solutions and aim to be the first call when opportunities arise.