Tell us what you need. We review your situation, explain in plain terms which options may fit and what they cost in total, and introduce you to independent lenders. Same-day approval is possible, and requests under $100,000 can be funded in as little as 2 business days. There is no obligation.
Request a financing review Call 403-827-1014Owner-managed Canadian businesses that are already operating and need funding faster or more flexibly than a bank can offer.
At least 6 months in business, with regular deposits into a Canadian business bank account.
Typically $10,000 or more in average monthly revenue. Larger requests are reviewed against your financial statements.
Businesses operating in Canada, including Alberta, British Columbia, Saskatchewan, Manitoba, Ontario and other provinces.
Not a fit today: businesses under 6 months old, real estate agents and brokerages, and requests where monthly revenue is below the lender minimums.
Cover payroll, suppliers and taxes while you wait on slow-paying customers or a seasonal dip.
Buy stock, tools or equipment without draining working capital.
Hire, open a location, win a bigger contract or take on a project that needs money up front.
Turn unpaid invoices into working capital. Arranged case by case.
If you are paying a lot for equipment leases or short-term advances, we will tell you whether a better structure may exist. Reviewed case by case.
If your need is larger or more complex, tell us. We will say plainly whether we can help or point you elsewhere.
Most owners we speak with compare a few types of financing. We explain which may fit, and what each costs in total.
A lump sum repaid over about 4 to 24 months. Often unsecured. Suited to cash flow gaps, inventory and growth.
Revolving access to funds you draw as needed. Available from some lenders for smaller limits.
If you are paying a lot for equipment leases, we will tell you whether a better structure looks possible.
These figures are indicative only. Each lender sets its own terms, and every offer is subject to approval and to your actual numbers.
| Typical amounts | From about $5,000 up to $800,000 for working capital. Larger structures are arranged case by case. |
| Typical terms | Short-term working capital, commonly 4 to 24 months. |
| Security | Many working-capital options are unsecured. Some larger requests ask for more documents or security. |
| Speed | Same-day approval is possible once your file is complete, and requests under $100,000 can be funded in as little as 2 business days from application. Larger amounts usually take longer, commonly one to two weeks. Timing depends on the lender, a complete file and approval, and is never guaranteed. |
| Cost | Faster and easier to qualify for than a bank loan, and usually more expensive. We show you the total cost of each option in dollars before you decide. |
Xito is not a lender. All financing is provided by independent lenders and is subject to their approval and terms.
Fill in the short form below. It takes about 2 minutes. Please do not send documents or personal ID numbers here.
Within 2 hours of your request (business hours) we call for about 15 minutes to understand what you need and how fast.
We tell you exactly what the lender needs and give you a secure way to send it.
We bring back your options with the total cost of each. Nothing goes ahead without your approval.
No obligation. We call you back within 2 hours during business hours.
Xito Capital Partners is a Calgary-based advisory firm led by Andrew Apedoe. Andrew began his career in valuation at MNP and investment banking at Nesbitt Burns. He has since worked on M&A and financing for middle-market companies.
Many of our clients come to us before a sale, a refinancing or a lender review. We prepare your numbers so the financing conversation goes better.
Xito is not a lender. We introduce businesses to independent lenders and funding providers.
We review your numbers, explain your options, and introduce you to lenders whose programs fit your business. The lender, not Xito, makes the credit decision and sets the terms.
No. Xito reviews your situation and introduces you to independent lenders and funding providers. The lender makes the credit decision and sets the terms.
The financing itself has a cost, which varies by lender, amount and term. Short-term working capital is usually more expensive than a bank loan, so we show you the total repayment in dollars for every option.
Short-term working capital loans are usually faster and easier to qualify for than a bank loan, with shorter terms of about 4 to 24 months, and usually cost more. We show you the total repayment in dollars for each option before you decide.
Lenders typically look for at least 6 months in business, regular deposits into a Canadian business bank account, and about $10,000 or more in monthly revenue. Each lender sets its own requirements.
Xito does not pull your credit. A lender may review credit information as part of its decision, and only with your written consent. We will tell you before that happens.
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 application. Larger requests commonly take one to two weeks. It depends on the lender, how quickly you send a complete file, and approval, so timing is never guaranteed.
Possibly. Tell us what happened on the review call. We will be direct about whether another lender is likely to say yes, and about what could improve your chances.
Sometimes. These requests depend on the contract terms and the equipment. Send us the details in the form and we will say honestly whether a better structure looks possible.
Yes. We use it to review your request and to contact you. We share it with a lender only with your approval at each step. Please do not enter SIN or banking details in this form; we will give you a secure way to send documents later.
Take the free 2-minute Capital Readiness Score to see how a lender or buyer would view your business today.
Get your Capital Readiness ScoreEverything Canadian lenders usually ask for, so your file is complete the first time.
See what an offer really costs in dollars and what share of revenue it takes.
Estimate how much financing your revenue and cash flow can comfortably support.
See how a lender views your invoices and a rough borrowing base.
Spot tight weeks before they arrive and be ready for lender questions.