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Apr 12, 2025
In February 2024, Toorak Capital Partners made history by closing the first-ever rated residential transition loan (RTL) securitization, a $240 million offering backed by 370 short-term “fix-and-flip” loans covering roughly 527 homes businesswire.com+9businesswire.com+9bisnow.com+9. Morningstar DBRS, which earlier that October had released its pioneering RTL rating methodology, stepped in to rate the deal—capping it at “A” due to limited historical data, yet unlocking a new era of legitimacy aaplonline.com+2scotsmanguide.com+2businesswire.com+2.
This transformational deal did more than raise capital—it shifted private lending from fragmented, anecdotal origins into a mature, institutional-grade market. Suddenly, insurance companies, banks, and money managers—who rely on rated instruments—opened their doors to fix-and-flip loans . In May 2025, Toorak’s 2024-RRTL1 was honored as RMBS Deal of the Year, further solidifying this as a watershed moment in private lending evolution businesswire.com+3aaplonline.com+3streetinsider.com+3.
Enter Neo Lending: A Terminology That Marks a Paradigm Shift
Xoan, a trailblazing fintech bridge-lending platform, coined the term “Neo Lending” to encapsulate this next-generation evolution. While Toorak delivered rated securitization, Xoan defines Neo Lending as:
Tech-driven origination – Digital-first underwriting, automated data insights, seamless borrower interfaces.
Institutional-standard risk protocols – Comparable to securitized products like RTL pools.
Investor-grade access – Designed for aggregation, transparency, and scalability.
Liquidity through structuring – Supportive paperwork and asset-level underwriting primed for rated deals.
Xoan’s platform offers bridge, fix-and-flip, DSCR, and new construction loans—each operationalized with speed, simplicity, and smart underwriting to meet the demands of a Neo Lending world bisnow.com+1aaplonline.com+1xoancapital.com+1scotsmanguide.com+1xoancapital.com.
Solving the Problem—How Neo Lending Reforms Private Capital
1. Fragmented Funding → Institutional Continuum
Traditional private lending has relied on disparate local capital. Rated securitizations—realized first by Toorak—forge a connection with large institutional investors. Xoan enhances this via digital plumbing, enabling each loan originated to be investment-grade-ready.
2. Lack of Transparency → Standardized Data
Under Neo Lending, underwriting metrics like DSCR, LTV, and property valuations are digital-first and uniform—making pools ratable, securitizable, and saleable.
3. Illiquidity → Revolving Structures
Toorak’s securitization included a two-year revolving facility, enabling reinvestment of paid-down loans—dramatically improving capital rotation nplaonline.com+1streetinsider.com+1prnewswire.com+2businesswire.com+2streetinsider.com+2. Xoan embeds this concept at the loan generation layer, linking origination directly to liquidity infrastructure.
4. High Cost & Regulatory Drag → Scalability & Compliance
Rated structure demands rigorous oversight. Platforms like Xoan standardize disclosures, valuation practices, and credit checks, reducing friction and cost—while aligning seamlessly with securitization prerequisites.
Why Neo Lending Is the Future
Massive capital unlock: Rated deal openness enables unprecedented investor access.
Economic impact: More efficient financing for renovations, rentals, and new housing supports broader construction and affordability goals xoancapital.com+11scotsmanguide.com+11streetinsider.com+11nplaonline.com.
Performance alignment: Data-driven underwriting improves borrower outcomes—better rehab quality, longer-term rentals, and lower default rates.
Regulatory readiness: Compliance baked into the system—clearing the securitization path from day one.
The Road Ahead: Neo Lending Ecosystem
Standardized underwriting and unified digital loan packaging.
End-to-end originations via platforms like Xoan, engineered for asset aggregation.
Seamless pooling & rating readiness, following Toorak’s blueprint.
Liquidity via securitization, ETFs, fractionalized private debt vehicles—opening doors for investors across spectra.
Final Thoughts
Toorak’s rated RTL securitization was far more than a capital milestone—it was a declaration: private lending can be professional, scalable, and institutional. It formed the foundation for Xoan’s Neo Lending paradigm, merging digital excellence with financial rigor. Between rising housing demand and technology acceleration, Neo Lending isn’t just a buzzword—it’s the future of private money lending, bridging capital to opportunity, at scale, transparency, and impact.
Apr 12, 2025
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
Financing
Resources
Disclaimers and footnotes
Xoan Technology Inc. is a financial technology company and is not a bank. Xoan Visa Commercial cards are powered by Stripe and issued by Celtic Bank. Xoan partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.
Xoan Business Accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent passthrough insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership capacity.
Xoan Mastercard® Business Cards are powered by Stripe and issued by Celtic Bank, Member FDIC, pursuant to a license from Mastercard®. Eligible customers may receive access to Xoan Mastercard® Business Cards upon approval of a Xoan business account, subject to eligibility requirements and limitations.
Cashback rewards are credited to the associated Xoan financial account in accordance with the applicable program terms. Accounts must be open and in good standing to earn or receive cashback. Cashback rates, rewards, eligible transactions, and eligibility criteria are subject to change at any time without notice. Cashback rewards may be adjusted, withheld, reversed, or forfeited if an account is closed, pending closure, or determined to be in violation of applicable terms, policies, or legal requirements. Xoan reserves the right to modify, suspend, or terminate the cashback program at any time. Any material changes or promotional offers will be communicated via email or posted on the Xoan website. Full cashback program terms and conditions are available at Cashback Rewards Terms. For questions regarding cashback or card usage, please contact support@xoancapital.com
High Yield Accounts involve investment risk [EL1] , including the possible loss of principal. When a user allocates funds to a High Yield Account, the user is purchasing debt securities issued by Xoan Capital LLC. Xoan Capital LLC is a subsidiary of Xoan Technology, Inc. Funds allocated to High Yield Accounts are not deposits, are not bank accounts, and are not insured by the FDIC or any other government agency.
Any stated yield represents a target annual rate, is not guaranteed. Actual returns may be lower or higher than any stated target and may be zero or negative. Returns are derived from the performance of loans originated or acquired by Xoan Capital LLC. These loans are subject to credit risk, borrower default, collateral value fluctuations, interest rate risk, liquidity risk, valuation risk, and other market, operational, and regulatory risks.
Interest is earned only while funds remain invested in eligible High Yield Accounts and is subject to applicable terms, conditions, eligibility requirements, and liquidity restrictions, including any applicable lock-up periods, notice requirements, or redemption limitations. Requests to transfer or withdraw funds from a High Yield Account constitute a request to redeem the associated debt securities. Redemptions are not guaranteed and may be delayed, limited, suspended, or processed at an amount that is less than the original investment, including a loss of principal.
Past performance is not indicative of future results. Detailed information regarding Xoan Capital LLC, including material risks, fees, liquidity terms, and redemption mechanics, is provided in the applicable private placement memorandum, which is available to eligible users through the Xoan platform. Prospective investors should carefully review all offering materials and consider their financial situation, investment objectives, and risk tolerance before allocating funds.
All loan and credit products are subject to underwriting, credit approval, collateral review, and other eligibility requirements, as well as product availability. Any information provided on this website is for general informational purposes only and does not constitute an offer, commitment, approval, or obligation to lend. Loan terms, rates, amounts, and availability are subject to change and may be modified, withdrawn, or terminated at any time without notice. Credit decisions are based on a variety of factors, which may include borrower creditworthiness, financial condition, property characteristics, loan structure, market conditions, and compliance with applicable legal and regulatory requirements. Not all applicants will qualify, and approval of one product or transaction does not guarantee approval of future credit.
Xoan Capital LLC, a subsidiary of Xoan Technology Inc., may act as a lender, broker, servicer, or facilitator, depending on the product, structure, jurisdiction, and transaction. Certain loans may be originated by or funded through third-party lenders or investors, and loan terms may vary accordingly. Fees, costs, and other charges may apply, including origination fees, interest, servicing fees, and third-party costs, as disclosed in applicable loan documents. Estimated rates, timelines, proceeds, and terms are illustrative only and may not reflect actual loan terms. Closing timelines are not guaranteed and may vary based on diligence, documentation, title, appraisal, borrower responsiveness, and third-party processes. Xoan Capital LLC reserves the right to change rates, terms, eligibility criteria, underwriting standards, and program guidelines at its sole discretion.
By accessing, applying for, or engaging with any Xoan lending product or related services, users acknowledge that they have reviewed and understand these disclosures. These disclosures are provided for informational purposes only, binding terms and conditions are set forth solely in the applicable loan agreements and related legal documents.
Copyright © 2025 xoancapital.com. All rights reserved.
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
Financing
Resources
Disclaimers and footnotes
Xoan Technology Inc. is a financial technology company and is not a bank. Xoan Visa Commercial cards are powered by Stripe and issued by Celtic Bank. Xoan partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.
Xoan Business Accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent passthrough insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership capacity.
Xoan Mastercard® Business Cards are powered by Stripe and issued by Celtic Bank, Member FDIC, pursuant to a license from Mastercard®. Eligible customers may receive access to Xoan Mastercard® Business Cards upon approval of a Xoan business account, subject to eligibility requirements and limitations.
Cashback rewards are credited to the associated Xoan financial account in accordance with the applicable program terms. Accounts must be open and in good standing to earn or receive cashback. Cashback rates, rewards, eligible transactions, and eligibility criteria are subject to change at any time without notice. Cashback rewards may be adjusted, withheld, reversed, or forfeited if an account is closed, pending closure, or determined to be in violation of applicable terms, policies, or legal requirements. Xoan reserves the right to modify, suspend, or terminate the cashback program at any time. Any material changes or promotional offers will be communicated via email or posted on the Xoan website. Full cashback program terms and conditions are available at Cashback Rewards Terms. For questions regarding cashback or card usage, please contact support@xoancapital.com
High Yield Accounts involve investment risk [EL1] , including the possible loss of principal. When a user allocates funds to a High Yield Account, the user is purchasing debt securities issued by Xoan Capital LLC. Xoan Capital LLC is a subsidiary of Xoan Technology, Inc. Funds allocated to High Yield Accounts are not deposits, are not bank accounts, and are not insured by the FDIC or any other government agency.
Any stated yield represents a target annual rate, is not guaranteed. Actual returns may be lower or higher than any stated target and may be zero or negative. Returns are derived from the performance of loans originated or acquired by Xoan Capital LLC. These loans are subject to credit risk, borrower default, collateral value fluctuations, interest rate risk, liquidity risk, valuation risk, and other market, operational, and regulatory risks.
Interest is earned only while funds remain invested in eligible High Yield Accounts and is subject to applicable terms, conditions, eligibility requirements, and liquidity restrictions, including any applicable lock-up periods, notice requirements, or redemption limitations. Requests to transfer or withdraw funds from a High Yield Account constitute a request to redeem the associated debt securities. Redemptions are not guaranteed and may be delayed, limited, suspended, or processed at an amount that is less than the original investment, including a loss of principal.
Past performance is not indicative of future results. Detailed information regarding Xoan Capital LLC, including material risks, fees, liquidity terms, and redemption mechanics, is provided in the applicable private placement memorandum, which is available to eligible users through the Xoan platform. Prospective investors should carefully review all offering materials and consider their financial situation, investment objectives, and risk tolerance before allocating funds.
All loan and credit products are subject to underwriting, credit approval, collateral review, and other eligibility requirements, as well as product availability. Any information provided on this website is for general informational purposes only and does not constitute an offer, commitment, approval, or obligation to lend. Loan terms, rates, amounts, and availability are subject to change and may be modified, withdrawn, or terminated at any time without notice. Credit decisions are based on a variety of factors, which may include borrower creditworthiness, financial condition, property characteristics, loan structure, market conditions, and compliance with applicable legal and regulatory requirements. Not all applicants will qualify, and approval of one product or transaction does not guarantee approval of future credit.
Xoan Capital LLC, a subsidiary of Xoan Technology Inc., may act as a lender, broker, servicer, or facilitator, depending on the product, structure, jurisdiction, and transaction. Certain loans may be originated by or funded through third-party lenders or investors, and loan terms may vary accordingly. Fees, costs, and other charges may apply, including origination fees, interest, servicing fees, and third-party costs, as disclosed in applicable loan documents. Estimated rates, timelines, proceeds, and terms are illustrative only and may not reflect actual loan terms. Closing timelines are not guaranteed and may vary based on diligence, documentation, title, appraisal, borrower responsiveness, and third-party processes. Xoan Capital LLC reserves the right to change rates, terms, eligibility criteria, underwriting standards, and program guidelines at its sole discretion.
By accessing, applying for, or engaging with any Xoan lending product or related services, users acknowledge that they have reviewed and understand these disclosures. These disclosures are provided for informational purposes only, binding terms and conditions are set forth solely in the applicable loan agreements and related legal documents.
Copyright © 2025 xoancapital.com. All rights reserved.
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
Financing
Resources
Disclaimers and footnotes
Xoan Technology Inc. is a financial technology company and is not a bank. Xoan Visa Commercial cards are powered by Stripe and issued by Celtic Bank. Xoan partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.
Xoan Business Accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent passthrough insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership capacity.
Xoan Mastercard® Business Cards are powered by Stripe and issued by Celtic Bank, Member FDIC, pursuant to a license from Mastercard®. Eligible customers may receive access to Xoan Mastercard® Business Cards upon approval of a Xoan business account, subject to eligibility requirements and limitations.
Cashback rewards are credited to the associated Xoan financial account in accordance with the applicable program terms. Accounts must be open and in good standing to earn or receive cashback. Cashback rates, rewards, eligible transactions, and eligibility criteria are subject to change at any time without notice. Cashback rewards may be adjusted, withheld, reversed, or forfeited if an account is closed, pending closure, or determined to be in violation of applicable terms, policies, or legal requirements. Xoan reserves the right to modify, suspend, or terminate the cashback program at any time. Any material changes or promotional offers will be communicated via email or posted on the Xoan website. Full cashback program terms and conditions are available at Cashback Rewards Terms. For questions regarding cashback or card usage, please contact support@xoancapital.com
High Yield Accounts involve investment risk [EL1] , including the possible loss of principal. When a user allocates funds to a High Yield Account, the user is purchasing debt securities issued by Xoan Capital LLC. Xoan Capital LLC is a subsidiary of Xoan Technology, Inc. Funds allocated to High Yield Accounts are not deposits, are not bank accounts, and are not insured by the FDIC or any other government agency.
Any stated yield represents a target annual rate, is not guaranteed. Actual returns may be lower or higher than any stated target and may be zero or negative. Returns are derived from the performance of loans originated or acquired by Xoan Capital LLC. These loans are subject to credit risk, borrower default, collateral value fluctuations, interest rate risk, liquidity risk, valuation risk, and other market, operational, and regulatory risks.
Interest is earned only while funds remain invested in eligible High Yield Accounts and is subject to applicable terms, conditions, eligibility requirements, and liquidity restrictions, including any applicable lock-up periods, notice requirements, or redemption limitations. Requests to transfer or withdraw funds from a High Yield Account constitute a request to redeem the associated debt securities. Redemptions are not guaranteed and may be delayed, limited, suspended, or processed at an amount that is less than the original investment, including a loss of principal.
Past performance is not indicative of future results. Detailed information regarding Xoan Capital LLC, including material risks, fees, liquidity terms, and redemption mechanics, is provided in the applicable private placement memorandum, which is available to eligible users through the Xoan platform. Prospective investors should carefully review all offering materials and consider their financial situation, investment objectives, and risk tolerance before allocating funds.
All loan and credit products are subject to underwriting, credit approval, collateral review, and other eligibility requirements, as well as product availability. Any information provided on this website is for general informational purposes only and does not constitute an offer, commitment, approval, or obligation to lend. Loan terms, rates, amounts, and availability are subject to change and may be modified, withdrawn, or terminated at any time without notice. Credit decisions are based on a variety of factors, which may include borrower creditworthiness, financial condition, property characteristics, loan structure, market conditions, and compliance with applicable legal and regulatory requirements. Not all applicants will qualify, and approval of one product or transaction does not guarantee approval of future credit.
Xoan Capital LLC, a subsidiary of Xoan Technology Inc., may act as a lender, broker, servicer, or facilitator, depending on the product, structure, jurisdiction, and transaction. Certain loans may be originated by or funded through third-party lenders or investors, and loan terms may vary accordingly. Fees, costs, and other charges may apply, including origination fees, interest, servicing fees, and third-party costs, as disclosed in applicable loan documents. Estimated rates, timelines, proceeds, and terms are illustrative only and may not reflect actual loan terms. Closing timelines are not guaranteed and may vary based on diligence, documentation, title, appraisal, borrower responsiveness, and third-party processes. Xoan Capital LLC reserves the right to change rates, terms, eligibility criteria, underwriting standards, and program guidelines at its sole discretion.
By accessing, applying for, or engaging with any Xoan lending product or related services, users acknowledge that they have reviewed and understand these disclosures. These disclosures are provided for informational purposes only, binding terms and conditions are set forth solely in the applicable loan agreements and related legal documents.
Copyright © 2025 xoancapital.com. All rights reserved.
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
Financing
Resources
Disclaimers and footnotes
Xoan Technology Inc. is a financial technology company and is not a bank. Xoan Visa Commercial cards are powered by Stripe and issued by Celtic Bank. Xoan partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.
Xoan Business Accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent passthrough insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership capacity.
Xoan Mastercard® Business Cards are powered by Stripe and issued by Celtic Bank, Member FDIC, pursuant to a license from Mastercard®. Eligible customers may receive access to Xoan Mastercard® Business Cards upon approval of a Xoan business account, subject to eligibility requirements and limitations.
Cashback rewards are credited to the associated Xoan financial account in accordance with the applicable program terms. Accounts must be open and in good standing to earn or receive cashback. Cashback rates, rewards, eligible transactions, and eligibility criteria are subject to change at any time without notice. Cashback rewards may be adjusted, withheld, reversed, or forfeited if an account is closed, pending closure, or determined to be in violation of applicable terms, policies, or legal requirements. Xoan reserves the right to modify, suspend, or terminate the cashback program at any time. Any material changes or promotional offers will be communicated via email or posted on the Xoan website. Full cashback program terms and conditions are available at Cashback Rewards Terms. For questions regarding cashback or card usage, please contact support@xoancapital.com
High Yield Accounts involve investment risk [EL1] , including the possible loss of principal. When a user allocates funds to a High Yield Account, the user is purchasing debt securities issued by Xoan Capital LLC. Xoan Capital LLC is a subsidiary of Xoan Technology, Inc. Funds allocated to High Yield Accounts are not deposits, are not bank accounts, and are not insured by the FDIC or any other government agency.
Any stated yield represents a target annual rate, is not guaranteed. Actual returns may be lower or higher than any stated target and may be zero or negative. Returns are derived from the performance of loans originated or acquired by Xoan Capital LLC. These loans are subject to credit risk, borrower default, collateral value fluctuations, interest rate risk, liquidity risk, valuation risk, and other market, operational, and regulatory risks.
Interest is earned only while funds remain invested in eligible High Yield Accounts and is subject to applicable terms, conditions, eligibility requirements, and liquidity restrictions, including any applicable lock-up periods, notice requirements, or redemption limitations. Requests to transfer or withdraw funds from a High Yield Account constitute a request to redeem the associated debt securities. Redemptions are not guaranteed and may be delayed, limited, suspended, or processed at an amount that is less than the original investment, including a loss of principal.
Past performance is not indicative of future results. Detailed information regarding Xoan Capital LLC, including material risks, fees, liquidity terms, and redemption mechanics, is provided in the applicable private placement memorandum, which is available to eligible users through the Xoan platform. Prospective investors should carefully review all offering materials and consider their financial situation, investment objectives, and risk tolerance before allocating funds.
All loan and credit products are subject to underwriting, credit approval, collateral review, and other eligibility requirements, as well as product availability. Any information provided on this website is for general informational purposes only and does not constitute an offer, commitment, approval, or obligation to lend. Loan terms, rates, amounts, and availability are subject to change and may be modified, withdrawn, or terminated at any time without notice. Credit decisions are based on a variety of factors, which may include borrower creditworthiness, financial condition, property characteristics, loan structure, market conditions, and compliance with applicable legal and regulatory requirements. Not all applicants will qualify, and approval of one product or transaction does not guarantee approval of future credit.
Xoan Capital LLC, a subsidiary of Xoan Technology Inc., may act as a lender, broker, servicer, or facilitator, depending on the product, structure, jurisdiction, and transaction. Certain loans may be originated by or funded through third-party lenders or investors, and loan terms may vary accordingly. Fees, costs, and other charges may apply, including origination fees, interest, servicing fees, and third-party costs, as disclosed in applicable loan documents. Estimated rates, timelines, proceeds, and terms are illustrative only and may not reflect actual loan terms. Closing timelines are not guaranteed and may vary based on diligence, documentation, title, appraisal, borrower responsiveness, and third-party processes. Xoan Capital LLC reserves the right to change rates, terms, eligibility criteria, underwriting standards, and program guidelines at its sole discretion.
By accessing, applying for, or engaging with any Xoan lending product or related services, users acknowledge that they have reviewed and understand these disclosures. These disclosures are provided for informational purposes only, binding terms and conditions are set forth solely in the applicable loan agreements and related legal documents.
Copyright © 2025 xoancapital.com. All rights reserved.
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
Financing
Resources
Disclaimers and footnotes
Xoan Technology Inc. is a financial technology company and is not a bank. Xoan Visa Commercial cards are powered by Stripe and issued by Celtic Bank. Xoan partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.
Xoan Business Accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent passthrough insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership capacity.
Xoan Mastercard® Business Cards are powered by Stripe and issued by Celtic Bank, Member FDIC, pursuant to a license from Mastercard®. Eligible customers may receive access to Xoan Mastercard® Business Cards upon approval of a Xoan business account, subject to eligibility requirements and limitations.
Cashback rewards are credited to the associated Xoan financial account in accordance with the applicable program terms. Accounts must be open and in good standing to earn or receive cashback. Cashback rates, rewards, eligible transactions, and eligibility criteria are subject to change at any time without notice. Cashback rewards may be adjusted, withheld, reversed, or forfeited if an account is closed, pending closure, or determined to be in violation of applicable terms, policies, or legal requirements. Xoan reserves the right to modify, suspend, or terminate the cashback program at any time. Any material changes or promotional offers will be communicated via email or posted on the Xoan website. Full cashback program terms and conditions are available at Cashback Rewards Terms. For questions regarding cashback or card usage, please contact support@xoancapital.com
High Yield Accounts involve investment risk [EL1] , including the possible loss of principal. When a user allocates funds to a High Yield Account, the user is purchasing debt securities issued by Xoan Capital LLC. Xoan Capital LLC is a subsidiary of Xoan Technology, Inc. Funds allocated to High Yield Accounts are not deposits, are not bank accounts, and are not insured by the FDIC or any other government agency.
Any stated yield represents a target annual rate, is not guaranteed. Actual returns may be lower or higher than any stated target and may be zero or negative. Returns are derived from the performance of loans originated or acquired by Xoan Capital LLC. These loans are subject to credit risk, borrower default, collateral value fluctuations, interest rate risk, liquidity risk, valuation risk, and other market, operational, and regulatory risks.
Interest is earned only while funds remain invested in eligible High Yield Accounts and is subject to applicable terms, conditions, eligibility requirements, and liquidity restrictions, including any applicable lock-up periods, notice requirements, or redemption limitations. Requests to transfer or withdraw funds from a High Yield Account constitute a request to redeem the associated debt securities. Redemptions are not guaranteed and may be delayed, limited, suspended, or processed at an amount that is less than the original investment, including a loss of principal.
Past performance is not indicative of future results. Detailed information regarding Xoan Capital LLC, including material risks, fees, liquidity terms, and redemption mechanics, is provided in the applicable private placement memorandum, which is available to eligible users through the Xoan platform. Prospective investors should carefully review all offering materials and consider their financial situation, investment objectives, and risk tolerance before allocating funds.
All loan and credit products are subject to underwriting, credit approval, collateral review, and other eligibility requirements, as well as product availability. Any information provided on this website is for general informational purposes only and does not constitute an offer, commitment, approval, or obligation to lend. Loan terms, rates, amounts, and availability are subject to change and may be modified, withdrawn, or terminated at any time without notice. Credit decisions are based on a variety of factors, which may include borrower creditworthiness, financial condition, property characteristics, loan structure, market conditions, and compliance with applicable legal and regulatory requirements. Not all applicants will qualify, and approval of one product or transaction does not guarantee approval of future credit.
Xoan Capital LLC, a subsidiary of Xoan Technology Inc., may act as a lender, broker, servicer, or facilitator, depending on the product, structure, jurisdiction, and transaction. Certain loans may be originated by or funded through third-party lenders or investors, and loan terms may vary accordingly. Fees, costs, and other charges may apply, including origination fees, interest, servicing fees, and third-party costs, as disclosed in applicable loan documents. Estimated rates, timelines, proceeds, and terms are illustrative only and may not reflect actual loan terms. Closing timelines are not guaranteed and may vary based on diligence, documentation, title, appraisal, borrower responsiveness, and third-party processes. Xoan Capital LLC reserves the right to change rates, terms, eligibility criteria, underwriting standards, and program guidelines at its sole discretion.
By accessing, applying for, or engaging with any Xoan lending product or related services, users acknowledge that they have reviewed and understand these disclosures. These disclosures are provided for informational purposes only, binding terms and conditions are set forth solely in the applicable loan agreements and related legal documents.
Copyright © 2025 xoancapital.com. All rights reserved.
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
Financing
Resources
Disclaimers and footnotes
Xoan Technology Inc. is a financial technology company and is not a bank. Xoan Visa Commercial cards are powered by Stripe and issued by Celtic Bank. Xoan partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.
Xoan Business Accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent passthrough insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership capacity.
Xoan Mastercard® Business Cards are powered by Stripe and issued by Celtic Bank, Member FDIC, pursuant to a license from Mastercard®. Eligible customers may receive access to Xoan Mastercard® Business Cards upon approval of a Xoan business account, subject to eligibility requirements and limitations.
Cashback rewards are credited to the associated Xoan financial account in accordance with the applicable program terms. Accounts must be open and in good standing to earn or receive cashback. Cashback rates, rewards, eligible transactions, and eligibility criteria are subject to change at any time without notice. Cashback rewards may be adjusted, withheld, reversed, or forfeited if an account is closed, pending closure, or determined to be in violation of applicable terms, policies, or legal requirements. Xoan reserves the right to modify, suspend, or terminate the cashback program at any time. Any material changes or promotional offers will be communicated via email or posted on the Xoan website. Full cashback program terms and conditions are available at Cashback Rewards Terms. For questions regarding cashback or card usage, please contact support@xoancapital.com
High Yield Accounts involve investment risk [EL1] , including the possible loss of principal. When a user allocates funds to a High Yield Account, the user is purchasing debt securities issued by Xoan Capital LLC. Xoan Capital LLC is a subsidiary of Xoan Technology, Inc. Funds allocated to High Yield Accounts are not deposits, are not bank accounts, and are not insured by the FDIC or any other government agency.
Any stated yield represents a target annual rate, is not guaranteed. Actual returns may be lower or higher than any stated target and may be zero or negative. Returns are derived from the performance of loans originated or acquired by Xoan Capital LLC. These loans are subject to credit risk, borrower default, collateral value fluctuations, interest rate risk, liquidity risk, valuation risk, and other market, operational, and regulatory risks.
Interest is earned only while funds remain invested in eligible High Yield Accounts and is subject to applicable terms, conditions, eligibility requirements, and liquidity restrictions, including any applicable lock-up periods, notice requirements, or redemption limitations. Requests to transfer or withdraw funds from a High Yield Account constitute a request to redeem the associated debt securities. Redemptions are not guaranteed and may be delayed, limited, suspended, or processed at an amount that is less than the original investment, including a loss of principal.
Past performance is not indicative of future results. Detailed information regarding Xoan Capital LLC, including material risks, fees, liquidity terms, and redemption mechanics, is provided in the applicable private placement memorandum, which is available to eligible users through the Xoan platform. Prospective investors should carefully review all offering materials and consider their financial situation, investment objectives, and risk tolerance before allocating funds.
All loan and credit products are subject to underwriting, credit approval, collateral review, and other eligibility requirements, as well as product availability. Any information provided on this website is for general informational purposes only and does not constitute an offer, commitment, approval, or obligation to lend. Loan terms, rates, amounts, and availability are subject to change and may be modified, withdrawn, or terminated at any time without notice. Credit decisions are based on a variety of factors, which may include borrower creditworthiness, financial condition, property characteristics, loan structure, market conditions, and compliance with applicable legal and regulatory requirements. Not all applicants will qualify, and approval of one product or transaction does not guarantee approval of future credit.
Xoan Capital LLC, a subsidiary of Xoan Technology Inc., may act as a lender, broker, servicer, or facilitator, depending on the product, structure, jurisdiction, and transaction. Certain loans may be originated by or funded through third-party lenders or investors, and loan terms may vary accordingly. Fees, costs, and other charges may apply, including origination fees, interest, servicing fees, and third-party costs, as disclosed in applicable loan documents. Estimated rates, timelines, proceeds, and terms are illustrative only and may not reflect actual loan terms. Closing timelines are not guaranteed and may vary based on diligence, documentation, title, appraisal, borrower responsiveness, and third-party processes. Xoan Capital LLC reserves the right to change rates, terms, eligibility criteria, underwriting standards, and program guidelines at its sole discretion.
By accessing, applying for, or engaging with any Xoan lending product or related services, users acknowledge that they have reviewed and understand these disclosures. These disclosures are provided for informational purposes only, binding terms and conditions are set forth solely in the applicable loan agreements and related legal documents.
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