Tell us what your roofing contractor 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 403-827-1014Materials and crews are paid weekly while insurance-funded jobs and commercial clients may pay slowly.
Weather delays push revenue out but not payroll.
Peak season needs cash for crews and equipment upfront.
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 roofer lines up spring work but needs materials and crews before payments start. It explores a short-term working capital loan to cover the first six weeks.
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.
Roofing work depends on weather, and in most of Canada winter slows or stops installs. Lenders will want to see a full year of deposits so a quiet winter reads as a normal cycle, along with how you cover fixed costs between seasons.
Roofing jobs are often billed with a deposit and a final payment, and larger jobs may involve progress billing. Holdbacks, where a percentage of the contract value is withheld until completion under provincial rules, can tie up cash for weeks or months after the work is done.
Shingles, membranes and other materials are usually bought before the customer pays, and crews are paid weekly. Lenders will ask about your backlog of signed work and how much cash each job needs up front.
Lenders commonly check that liability insurance is in place and that your workers’ compensation account is in good standing, because lapses can stop work and delay payment.
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.
They usually look at a full year of deposits. Seasonal patterns are common in trades.
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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