Xito Capital · For Canadian business owners who need capital

Business financing toolkit for Canadian owners: playbooks and tools to get funded, or get out from under expensive debt.

Written by an M&A and corporate finance advisor. Plain-English guides, templates and calculators you can use this week. Instant download.

See the toolkitTake the free score first

Which one do you need?

"The bank said no."Start with the Declined? Fix-It Playbook."I need a truck or equipment."Start with the Equipment Financing Playbook."My advance payments are crushing cash flow."Start with the High-Cost Debt Escape Plan."What programs or grants exist for me?"Start with the Canadian Funding Finder.

The Financing Toolkit

Four focused products. Buy only what you need.

For owners who were turned down

Declined? Fix-It Playbook

Find out what your lender really meant, fix it in 30 days, and re-apply with a stronger file.

Built for Canadian business owners whose business loan, line of credit or equipment financing application was declined, and who want to understand the reason before they re-apply.

  • Decline decoder: 11 common reasons, what they usually mean, and how to fix each
  • Debt service coverage math with a worked example
  • Week-by-week 30-day fix plan and use-of-funds memo
  • Phone script, re-application letter and lender-matching guide
  • Application tracker
$67 CAD
Get Declined? Fix-It Playbook →
7-page PDF. Instant download. Secure checkout by Stripe.
For trucks, trailers and equipment

Equipment Financing Playbook

Choose the right structure, prepare a lender-ready file and compare offers on total cost.

Built for Canadian owners and owner-operators buying a truck, trailer or other equipment who want to compare equipment loans, leases and rent-to-own on total cost.

  • Loan vs finance lease vs operating lease vs rent-to-own
  • Real payment and interest comparison at three rates
  • Down payment strategy and lender document checklist
  • Owner-operator trucking section and red-flag list
  • Lender pitch template and side-by-side offer comparison
$67 CAD
Get Equipment Financing Playbook →
5-page PDF. Instant download. Secure checkout by Stripe.
For owners carrying expensive advances

High-Cost Debt Escape Plan

Measure the true cost of your debt, rank it and replace expensive money with a plan.

Built for Canadian owners carrying merchant cash advances or other short-term, factor-rate debt who want to know the true annual cost and how to refinance.

  • PDF plan: how to turn a factor rate into a true annual cost
  • Excel Debt Cost Calculator with ranking and refinance comparison
  • Five escape routes and the refinance packet checklist
  • Negotiation scripts for funders
  • 90-day action plan
$67 CAD
Get High-Cost Debt Escape Plan →
PDF plus Excel calculator. Instant download. Secure checkout by Stripe.
For owners looking for grants, credits and programs

Canadian Funding Finder

A filterable directory of Canadian and Alberta funding programs, with sources and what to confirm before you apply.

Built for Canadian and Alberta business owners looking for grants, tax credits, loans and loan guarantees they may qualify for.

  • 14 programs: loans, tax credits, grants, advisory and loan guarantees
  • Filter by type, level and who it is best for
  • Verified amounts for CSBFP, SR&ED, CanExport, Futurpreneur and more
  • Need Picker and a personal shortlist tracker
  • Updated editions for 12 months
$97 CAD
Get Canadian Funding Finder →
Excel workbook. Instant download. Secure checkout by Stripe.

Start with the free tools

Not ready to buy? These are free.

Capital Readiness ScoreA free 2-minute check of how ready your business is for lenders and buyers.Loan document checklistThe documents lenders ask for, in one list.13-week cash flow templateForecast the next quarter before you borrow.Advance cost calculatorSee the real annual cost of a short-term advance.Borrowing capacity calculatorEstimate how much your cash flow can support.Business financing reviewTalk to us about lenders for your situation.

Questions

Are these products loans or financing offers?

No. They are educational guides and tools. Xito Capital Partners does not lend money. If you want help preparing a file and finding lenders, book a call or start with the free Capital Readiness Score.

Will these guarantee that I get funded?

No. Lenders make their own decisions. The playbooks show you what lenders look at and how to present your business clearly, which is the part you can control.

I was just declined. Which should I start with?

Start with the Declined? Fix-It Playbook. If your decline involved existing advances or heavy payments, add the High-Cost Debt Escape Plan.

How do I receive the files?

Immediately after checkout, from the confirmation page. Save the download links shown there. Files are PDF and Excel and open on any computer.

Can I get a refund?

If a product does not open or is not what was described, email intake@xitocapital.com within 14 days and we will make it right.

Is the information current?

Program details are checked against official sources and dated in the workbook. Lender and program rules change, so confirm any figure on the source before you rely on it.

Want a second set of eyes on your file?

Book a 30-minute conversation with Andrew Apedoe, or start with the free score. We help owners prepare their files and find the right lenders.

Book a 30-minute callFree Capital Readiness Score

These products are educational. They are not legal, tax or financial advice and are not an offer of credit. Xito Capital Partners does not lend money; it helps owners prepare and find lenders. Lenders and government programs make their own decisions, and terms change, so confirm current details with the source. Figures in examples are illustrative.