Tell us what your trucking company 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 403-827-1014Fuel, driver payroll and insurance are paid weekly or monthly, while shippers often pay 30 to 60 days after delivery.
A tractor or trailer repair can take a truck off the road and cut revenue at the moment cash is tightest.
Winter slowdowns, border delays and rate swings make monthly revenue uneven.
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 12-truck carrier waits about 45 days on its largest shipper while payroll and fuel are due every week. It asks about working capital to smooth the gap. The lender reviews six months of bank statements and the receivables list before making any offer.
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.
Fuel, repairs, tires and driver pay are paid continuously, while many shippers and brokers pay in 30 to 60 days. That timing gap is the main working capital pressure in trucking.
Lenders will want a list of units showing age, what is owed and whether each is owned, financed or leased. Newer, lower-debt equipment usually helps the picture.
Revenue from direct shippers and from brokers is judged differently. Show the split, your largest customers and how reliably each one pays.
Commercial insurance costs are large and a carrier’s safety record can affect both premiums and customer relationships. Be ready to show current coverage and your safety standing.
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.
Often yes, in principle. Lenders look at bank deposits and receivables rather than only collateral. Terms vary by lender and each file is reviewed case by case.
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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