Tell us what your marketing agency 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 403-827-1014Agencies pay media, freelancers and staff before clients pay, and retainers can be delayed.
A single large client can account for much of revenue.
Growth needs hiring before new contracts pay.
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 agency fronts $40,000 of media for a client that pays in 60 days. The owner reviews short-term options to avoid delaying payroll.
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.
Agency revenue can look larger than it is. When you buy media on a client’s behalf and bill it back, that pass-through money shows up as revenue even though your margin on it is small. Lenders often focus on the fees you keep, so it helps to show gross billings and net agency revenue side by side.
A base of monthly retainers is usually easier to explain than one-off project work, because the income repeats. Lenders will want to see the contract terms: how long each retainer runs, how much notice a client has to give, and whether you invoice in advance or after the work is done. Project and campaign income is not a problem, but expect questions about how much of next quarter is already booked.
If one client accounts for a large share of your revenue, a lender is really assessing that client’s ability to keep paying you. Be ready to show the top five clients by revenue, how long each has been with you and how they pay.
Agencies are people-heavy, so payroll and freelancer costs are the biggest cash call each month. Lenders commonly check that payroll remittances to the CRA are current. If your work is seasonal, for example holiday campaigns or event-driven work, explain the pattern so a slow month is not read as a decline.
Which option fits depends on your history, your clients 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 retainers can help the picture, though each lender decides.
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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