Tell us what your restaurant 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 403-827-1014Food, wages and rent are paid daily, weekly and monthly, while sales can swing with seasons, weather and events.
Renovations, equipment repairs and a slow winter can drain cash quickly.
Delivery apps and card processors may hold back or delay payouts.
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 restaurant needs to replace a walk-in cooler and cover payroll during a slow February. The owner asks about a short-term working capital loan. A lender reviews six months of statements and card deposits and, if there is an offer, shows the total repayment in dollars.
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.
Lenders look at food cost and labour as a share of sales, often called prime cost, because they show how much of each dollar is left to run the business. Be ready to show both over several months.
Most sales arrive through card processing and delivery platforms, so deposit history is a key record. Platform fees and payout delays also affect cash, so show them separately from dine-in sales.
Restaurants carry a long lease and a large build-out and equipment cost. Lenders ask how many years remain on the lease and how the build-out was funded.
Patio season, holidays and local events move sales through the year. A full year of deposits helps a lender see that a slow month is part of a pattern.
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.
Sometimes. Lenders look at deposits over several months. We explain total costs before you decide.
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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