Calgary-based help with working capital, equipment financing and cash-gap problems for Alberta owner-managed businesses. Tell us what you need and we call you back within 2 hours.
Xito Capital Partners is based in Calgary. We help owner-managed businesses across Alberta line up working capital and other business financing by introducing them to independent lenders and funding providers. Xito is not a lender: the lender makes the credit decision and sets the terms.
You tell us what you need once. We review the request, explain your realistic options in plain language, and show the total repayment in dollars for each so you can compare before you decide. We call you back within 2 hours during business hours, Monday to Saturday.
The business can be healthy and still run short of cash at the wrong moment. These are the patterns we hear most from Alberta owners:
| Working capital | Short-term business loans and lines of credit to cover payroll, suppliers or a contract ramp-up. |
| Equipment | Loans and leases for trucks, machinery and tools, where the equipment itself helps secure the financing. |
| Receivables | If large invoices are stuck on slow terms, receivables-based options can turn them into cash sooner. |
| Advances | Merchant cash advances can be fast, but they are expensive. We show you the full cost first. |
| Refinancing | Sometimes a costly advance or lease can be replaced with a cheaper structure. It depends on your file. |
Availability, approval, amounts and timing depend on the lender and on your file. Approval can come the same day once your file is complete, and for requests under $100,000 funding can be as fast as 2 business days from approval.
Our focus is owner-managed businesses with real revenue: contractors and trades, industrial and oilfield services, transportation and trucking, manufacturing and fabrication, wholesale and distribution, and professional and hospitality businesses. We are in Calgary, and we work with owners by phone and video across the province, including Edmonton, Red Deer, Lethbridge, Medicine Hat, Grande Prairie, Fort McMurray and the surrounding areas. Everything can be done remotely.
If you need a lender with a local branch, tell us. If speed matters more, we will tell you what trade-offs to expect.
Get ready faster with the business loan document checklist, and see what your cash flow can carry with the borrowing capacity estimator.
No. Xito reviews your situation and introduces you to independent lenders and funding providers. The lender makes the credit decision and sets the terms.
No. We are based in Calgary and work with owners across Alberta and elsewhere in Canada by phone and video.
We call you back within 2 hours during business hours, Monday to Saturday, once you submit the financing form.
Approval can come the same day once your file is complete. For requests under $100,000, funding can be as fast as 2 business days from approval. Timing depends on the lender and your file.
Nothing. Requesting a financing review is free and does not obligate you to proceed. The financing itself has a cost that varies by lender, amount and term, and we show the total repayment in dollars.
Yes. We use it to review your request and contact you, and we share it only with lenders you agree to be introduced to. See our privacy page for details.
Request a financing review. We call you back within 2 hours during business hours. Same-day approval is possible, and requests under $100,000 can be funded in as little as 2 business days. No obligation.
Request a financing review Call 403-827-1014Also free: Business loan document checklist • Advance cost calculator • Borrowing capacity estimator • Receivables aging analyzer • 13-week cash flow template • Capital Readiness Score