Tell us what your freight brokerage 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 403-827-1014Carriers expect payment in days while shippers may pay in 30 to 60 days, so the brokerage funds the spread.
Growth in volume increases the cash needed to pay carriers, which can strain a young brokerage.
Margins are thin, so a few slow-paying accounts can create a real cash gap.
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 brokerage doubles its load count over a year and pays carriers in 7 days while collecting from shippers in about 40. The owner explores options to fund the gap. A lender looks at statements, receivables aging and customer concentration.
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.
Brokers usually pay carriers within days while shippers pay in 30 to 60 days or more, so every new load widens the cash gap. Lenders look closely at how big that gap is and how it grows with volume.
Revenue shows total freight billed, but your real income is the spread over carrier cost. Show both numbers, and the margin by customer or lane, so a lender is not misled by large billings.
If a few shippers make up most of your volume, a lender is partly assessing their credit. Be ready to explain who they are, how they pay and how you handle short-pays and disputes.
Lenders commonly ask whether your brokerage and contingent cargo coverage is current and how you check that carriers are insured and in good standing.
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.
Typically bank statements, receivables aging, customer concentration and margins. Each lender sets its own requirements.
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.
Also see our general business financing page, the document checklist and the advance cost calculator.
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