Tell us what your welding or fabrication shop 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 403-827-1014Steel and consumables are bought before the job is delivered, and industrial customers pay on terms.
Large orders can take months from purchase of materials to payment.
Skilled welders are costly to keep through slow periods.
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 fabrication shop wins a purchase order that requires $120,000 of steel up front with payment 60 days after delivery. It explores short-term working capital to buy materials and keep the crew paid.
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.
Steel and consumables can change in price between quote and purchase. Lenders will ask how you price jobs and whether you pass material cost changes on to customers.
Custom work is usually quoted per job, and larger orders may need a deposit to buy material. Show how much of your revenue is repeat work and how much is one-off.
Welders, cutting tables, press brakes and similar equipment are a real investment. Industrial customers often require certified welding procedures, which lenders see as a sign of quality.
Industrial customers commonly pay in 45 to 60 days while you pay for material and labour sooner. Show your top customers and how reliably they pay.
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.
A signed order can be part of the file, but lenders vary in how they treat it. We explain what each option would cost.
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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