Tell us what your snow removal company needs. We review your situation, explain in plain terms which independent lender options may fit and what each costs in total, and help you apply. Xito is an intermediary, not a lender.
Request a financing review Call 403-827-1014Snow removal revenue is seasonal and weather-driven. Equipment, insurance and crew costs start before the first storm, while contract and per-push invoices are often paid weeks later, so cash can run thin early in the season and in a mild winter.
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.
Because the work is seasonal, lenders tend to look at twelve months of deposits rather than a single month. Showing contract renewals and off-season revenue, such as landscaping or summer contracts, helps explain the peaks.
Xito is an intermediary, not a lender: we review your situation, introduce independent lenders and explain what each option costs in total.
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.
Often. Lenders look at the whole year of deposits, and each sets its own minimums for time in business and monthly revenue.
Late summer or early fall is a sensible window, before equipment servicing and crew costs ramp up, so funds are in place ahead of the first storm.
No. Xito is an intermediary that reviews your situation and introduces independent lenders; the lender sets the terms.
Getting ready to apply? Use our document checklist to see which documents lenders usually ask for, and send them securely.
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