Tell us what your manufacturer 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 403-827-1014Raw materials and labour are paid before finished goods are sold and collected.
Large orders and seasonal peaks need inventory and working capital in advance.
Customer payment terms of 30 to 90 days stretch the cash cycle.
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 manufacturer lands a larger customer with 60 day terms and needs to buy materials for three months of production. It asks about working capital to fund the cash cycle.
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.
A manufacturer pays for materials and labour long before a finished product is sold and collected. Lenders look at how many days cash is tied up in raw materials, work in progress, finished goods and receivables.
Raw materials, work in progress and finished goods are all valued by a lender, who will ask how fast stock turns and whether any of it is slow-moving or obsolete.
Large customer orders can require you to buy materials and add labour before getting paid. Lenders will ask how confirmed orders are documented and what the lead times are.
Machinery is a major cost, and gross margin by product line shows which products earn their keep. If you sell in US dollars, exchange rates can also affect margin.
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.
Larger requests usually involve recent financial statements, receivables aging and bank statements.
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.
© 2026 Xito Capital Partners · #205, 259 Midpark Way SE, Calgary, AB T2X 1M2 · 403-827-1014 · intake@xitocapital.com