Radical Transparency
One clear rate, alwaysWe quote a single, simple rate up front — no setup fees, no surprise deductions, no reading between the lines. What we tell you is what you pay.
Xfund exists so hard-working businesses never have to wait on slow-paying customers or slow banks to get paid. We turn the invoices you've already earned into cash today — so you can keep moving.
We started Xfund after watching too many capable, hard-working businesses — especially carriers and owner-operators — get held back by nothing more than 30, 60 and 90-day payment terms. The work was done. The invoice was earned. And still, the cash sat weeks away.
Banks were too slow, buried applications in paperwork and often said no to the very companies that needed the help most. The big factoring firms weren't much better: opaque contracts, fees hidden in the fine print, and service that treated you like an account number instead of a partner.
So we built the alternative we wished existed — fast, transparent, flexible factoring backed by real people. Xfund is part of a family of Canadian financial-services brands alongside Xcash, but our focus is singular: turning your unpaid invoices into working capital, the same day.
You did the work. You shouldn't have to borrow against your future or wait a quarter to get paid for it. We advance the money you've already earned.
Every decision we make is measured against these values. They're the reason clients stay with Xfund — and refer the businesses they know.
We quote a single, simple rate up front — no setup fees, no surprise deductions, no reading between the lines. What we tell you is what you pay.
Factor as much or as little as you like, whenever you like. No long-term contracts and no monthly minimums — you stay in control of your cash flow.
You get a dedicated account manager who knows your name and your business — and actually answers the phone when you call.
These figures describe the product we've built — fast funding, high advances and pricing with nothing hidden. They're what you can expect when you factor with us.
Plenty of companies will buy your invoices. Very few do it the way we do — built around your customers, your relationships and your peace of mind.
We win when you win. That means fast cash without the fine print, and collections handled the way you'd handle them yourself.
"We spent years chasing customers for money we'd already earned. With Xfund, the invoice goes in and the cash comes back the same day — and when I call, an actual person who knows my account picks up. It changed how we run the business."