Tell us what your courier or delivery company needs. We review your situation, explain in plain terms which options may fit and what each costs in total, and introduce you to independent lenders. There is no obligation, and Xito is not a lender.
Request a financing review Call 403-827-1014Vehicle fuel, maintenance, driver pay and insurance are constant, while commercial accounts pay on terms.
Peak seasons need extra drivers and vehicles before the added revenue arrives.
A vehicle breakdown or insurance increase can disrupt cash flow quickly.
Each lender sets its own requirements. Typical working capital programs also look for at least 6 months in business, regular deposits into a Canadian business bank account and roughly $10,000 or more in monthly revenue.
A hypothetical courier firm lands a contract that needs three more drivers a month before the first invoice is paid. The owner asks about short-term working capital to cover the ramp-up period.
This is a hypothetical illustration, not a client story or a promise of results. Approval, amounts, terms and timing are decided by each lender and depend on your own numbers.
Fill in the short form below, pick your funding range to see what to have ready, and send your documents through our secure upload link. You can upload right away.
We call Monday to Friday during business hours to understand what you need and how fast.
We bring back your options with the total cost of each. Nothing proceeds without your approval.
Please put your business name in each file name. Send documents only through our secure upload link. The full list is on our document checklist.
No obligation. We call you back within 2 hours during business hours.
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. The lender, not Xito, makes the credit decision and sets the terms.
Xito Capital Partners is a Calgary-based advisory firm led by Andrew Apedoe, with a background in valuation and investment banking. Many clients come to us before a sale, a refinancing or a lender review.
Drivers, fuel, vehicle maintenance and commercial auto insurance are usually the biggest costs, and they are paid weekly or even daily. Lenders will ask how your drivers are engaged and paid, how fuel price swings affect your margin, and whether your insurance is current.
Many courier companies are paid on 30 to 60 day terms by larger commercial accounts while drivers expect to be paid every week. That gap is where most working capital pressure comes from. Show how much of your revenue comes from your top accounts and how quickly each one pays.
Lenders want to know whether vehicles are owned, financed or leased, how old they are and what is still owing. If you add capacity ahead of a peak period such as the fall and holiday rush, explain the timing so the extra cost is understood as planned growth.
Which option fits depends on your history, your customers and how quickly you need funds. Each lender sets its own requirements and makes its own credit decision.
Xito is not a lender. We explain which options may fit, show the total cost of each and introduce you to independent lenders.
Sometimes. Lenders usually want a track record of deposits and a minimum time in business. Terms are set by each lender.
No. Xito is not a lender. We review your situation and introduce you to independent lenders and funding providers. The lender makes the credit decision and sets the terms.
It 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 each option before you decide.
Timing depends on the lender, how quickly you send a complete file and approval. Smaller requests can move faster than larger ones. Timing is never guaranteed.
Lenders commonly ask for recent business bank statements, owner identification and a void cheque. Larger requests may need financial statements, receivables aging and CRA balances. Each lender sets its own requirements.
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