Tell us what your e-commerce business 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 403-827-1014Inventory is bought months before it sells, while ad spend and shipping costs are paid up front.
Marketplace and payment platform payouts can be delayed or held.
Seasonal peaks like Black Friday need large inventory orders in advance.
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 online seller places a $70,000 inventory order in September for holiday sales while suppliers want payment up front. It explores short-term working capital. A lender reviews sales history, platform payouts and bank statements.
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.
Online sellers often pay suppliers weeks or months before products reach customers and sell. That inventory cycle is the main cash pressure, especially before the fall and holiday rush.
Ad spend can take a large share of revenue, so lenders look at margin after advertising, not just sales. Show return on ad spend and margin by product.
Marketplaces and payment platforms pay out on set schedules and can hold funds for returns or disputes. Show payout history and your return rate.
If you import goods, duties, freight and exchange rates affect your cost of goods. Lenders ask how you account for them.
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.
Many do. They usually review platform payouts and bank statements.
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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