Tell us what your trucking business 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 403-827-1014Freight revenue arrives weeks after the load is delivered, while fuel, driver pay, insurance and truck payments are due now. A repair, a slow-paying broker or a new unit to add can strain cash even in a busy season.
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.
Lenders start with bank deposits. Steady weekly deposits, consistent fuel and insurance expenses and a clear picture of receivables carry more weight than a perfect credit score; the lenders we work with consider credit scores of 500 and up.
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, yes, depending on time in business, revenue, deposits and the equipment. Lenders we work with consider credit scores from 500, though approval and pricing vary by lender.
It depends on the lender and the equipment. Some programs may ask for one; we explain the total cost of each option before you decide.
Approval decisions can come within 24 hours once we have your application and bank statements. Funding timing depends on the lender and the type of financing.
Getting ready to apply? Use our document checklist to see which documents lenders usually ask for, and send them securely.
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