Tell us what your business needs. We review your situation, explain in plain terms which independent lender options may fit and what each costs in total, and help you apply. Xito is an intermediary, not a lender.
Request a financing review Call 403-827-1014Equipment financing ties the funding to a specific asset, such as a truck, a piece of machinery or a kitchen line, so the equipment can often serve as part of the security. Which option fits depends on the lender, the asset and your cash flow.
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.
Compare the total cost over the full term, not just the monthly payment. Ask who owns the equipment at the end, what down payment or other security is required, and how each option is treated for tax; your accountant can confirm that last point.
Xito is an intermediary, not a lender: we review your situation, introduce independent lenders and explain what each option costs in total.
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We call during business hours to understand what you need and how fast.
We tell you exactly what a lender needs and give you a secure way to send it.
We bring back your options with the total cost of each. Nothing proceeds without your approval.
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.
No. Xito is an intermediary that reviews your situation and introduces independent lenders; the lender sets the terms.
Equipment financing is tied to a specific asset. Working capital is cash for operating needs such as payroll and inventory. Some owners use both, and we review which fits.
Approval decisions can come within 24 hours once we have your application and bank statements. Funding timing depends on the lender.
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