We unlock enterprise liquidity through asset-backed lending, corporate cash-flow debt facilities, and buy-side Quality of Earnings verification.
Xito Capital Partners translates complex mid-market financial realities into risk-mitigated, closable transactions for institutional and private capital networks.
Tier-1 banks underwrite with checklists. We underwrite your actual operational reality — then place it directly with the right capital.
We analyze your operational cash flows to capture true normalized EBITDA and hidden enterprise value — not just what's on the statement.
Complex mid-market financial profiles are packaged into institutional-grade underwriting files built for specialized alternative pools.
Fast-tracked liquidity through our institutional network, including Unity Global Financial's private and asset-backed channels.
Most engagements start with the same 5–10 minute self-assessment used across Xito Capital and Unity Global — no documents required.
Answer a short set of questions across financial, debt, liquidity, documentation, and transaction readiness. Get an instant score and see exactly what's holding you back.
Take the Free Score →A focused, professionally prepared snapshot of your financial position — built for founders who need a credible document fast, without the full QoE timeline or cost.
See the Capital Snapshot →From Pre-QoE Deal Risk Scans to Succession & Exit Readiness Monitors and the Lender-Ready Capital Pack — see the complete Xito product line.
View All Products →Three focused disciplines, one accountable team, built for companies raising $2M to $50M+.
Unlocking liquidity from commercial real estate, industrial infrastructure, and receivables — without dilutive equity sales.
Senior debt structures that treat recurring revenue and EBITDA as the collateral — built outside formulaic bank limits.
Buy-side financial assessments for private equity, family offices, and strategic buyers before capital deploys. See our full QoE guide.
Screening cash flows and identifying balance sheet asset optimization options.
Building investor-ready books with custom Quality of Earnings reporting.
Running competitive private syndicates to lock down favorable rate parameters.
An Alberta-based mid-market industrial logistics company was restricted by traditional Tier-1 bank covenants while a strategic acquisition required immediate, unencumbered closing capital.
Financial Diagnostics & QofE: A targeted buy-side Quality of Earnings assessment uncovered $1.2M in normalized, add-back EBITDA previously hidden by complex accounting changes.
Asset-Backed Placement: The Unity Global Financial alternative capital network unlocked $12.5M in senior debt secured against real estate and industrial fleets.
Representative example built for illustration purposes; details anonymized to protect client confidentiality.
When alternative credit structures are too rigid, we route your transaction directly to a curated private network of Canadian Family Offices seeking mid-market equity and debt placements.
These offices manage generations of private wealth and operate outside the constraints of traditional banks or private equity exit timelines — offering flexible, patient capital tailored for high-conviction growth.
Discuss Family Office PlacementBuilt on an award-winning public market corporate finance pedigree and an institutional alternative-capital placement network.
Andrew is a Partner at Osprey Capital Partners Inc., advising mid-market ownership groups on capital structure, corporate valuations, and strategic liquidity. His background spans investment banking at Nesbitt Burns and VP of Investor Relations at Stuart Olson (The Churchill Corp.), scaling a construction services firm to $1.2B in revenue. He holds a B.Comm from the University of Calgary and advanced postgraduate training in Business Valuation through the CICBV. At Xito Capital, Andrew leads financial diagnostics and forensic Quality of Earnings frameworks.
Patrick is the founder of Unity Global Financial, a structured capital advisory network operating across Canada's private lending landscape. He specializes in discrete, high-velocity asset-backed financing, bridge placements, and non-recourse liquidity vehicles. At Xito Capital, Patrick commands capital allocation and syndication, matching credit applicants with specialized private capital syndicates.
A standard audit looks backward to verify historical compliance. A QofE report looks forward — stripping out non-recurring spikes, temporary accounting changes, and personal management expenses to isolate true, sustainable EBITDA that lenders and buyers can underwrite against. Read our full QoE guide for more detail.
Yes. Retail banks use rigid, automated underwriting that often fails to account for mid-market realities. We manually restructure your corporate profile and route your file directly to Canada's specialized B-lenders, asset-backed pools, and private capital networks.
Asset-backed bridge and real estate placements typically close in 14–30 business days. Corporate cash-flow and senior working capital lines can close in 7–14 business days once normalized operational data is verified.
We focus on the Canadian mid-market: corporate debt structuring, asset-backed refinancing, and buy-side transaction advisory ranging from $2,000,000 to $50,000,000+.
Yes. All submissions are covered by our Mutual NDA and handled under strict institutional confidentiality protocols aligned with PIPEDA — see our full Privacy Policy. We never sell or lease client data to third parties.
This form filters directly into our pre-underwriting screening process. A managing partner will contact you within one business day to schedule a formal discovery review.
Urgent closing timeline under 14 days? Call our Calgary desk directly.
403-827-1014