Tell us what your janitorial or cleaning 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 403-827-1014Cleaners are paid every week or two while commercial clients pay in 30 to 60 days.
Winning a new building adds payroll and supplies before the first invoice is paid.
Supplies, equipment and insurance are ongoing costs.
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 cleaning company wins a contract for two office towers and needs to hire 12 cleaners before the first invoice is paid. It explores working capital to cover wages for the first 45 days.
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.
Most cleaning revenue comes from ongoing contracts, which lenders like because the income repeats. Show contract length, monthly value and how much notice a client must give to cancel.
Wages are paid every week or two, while commercial clients often pay in 30 days or more. Winning a new contract means hiring and paying staff before the first invoice is collected.
If a few property managers or building owners make up most of your revenue, a lender is partly assessing them. Show who they are and how long each has been a client.
Many clients require liability insurance and sometimes bonding for staff. Lenders commonly check that coverage and payroll remittances are current.
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.
Recurring contracts can strengthen the picture. Each lender sets its own criteria.
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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