Tell us what your IT services 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 403-827-1014Staff and software licences are paid monthly while clients pay on net terms.
Large projects need hardware and licences bought up front.
Recurring revenue is helpful but growth can still strain cash.
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 managed service provider buys $60,000 of hardware for a client rollout that pays in 60 days. The owner asks about working capital to carry the purchase.
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.
Managed services contracts that bill every month are easier for a lender to understand than one-off projects. Show your monthly recurring revenue by client, the contract length and how much notice a client must give to leave.
When you resell hardware or software licences, the amounts can inflate revenue while the margin is thin. Lenders often prefer to see net revenue and gross margin separately from pass-through resale.
Licences and cloud services are often paid to vendors monthly or annually before you collect from clients. That timing gap, together with payroll for technicians, is a common source of cash pressure.
If a few clients make up most of your recurring revenue, a lender is partly assessing those clients. Be ready to show who they are, how long they have been with you and how they pay.
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.
It can be a helpful part of the file. 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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