Financial Accounts
Financial Ops
Integrations
Contact
Chat with our team to learn how Xoan simplifies real estate finance.
Give us a call at:
(855) 508-9626
Or email us:
hello@xoancapital.com
Short-term financing
Long-term financing
Property types
Contact
Chat with our team to learn how Xoan simplifies real estate finance.
Give us a call at:
(855) 508-9626
Or email us:
hello@xoancapital.com
Resources
Customer center
Contact
Chat with our team to learn how Xoan simplifies real estate finance.
Give us a call at:
(855) 508-9626
Or email us:
hello@xoancapital.com
Financial Accounts
Financial Ops
Integrations
Contact
Chat with our team to learn how Xoan simplifies real estate finance.
Give us a call at:
(855) 508-9626
Or email us:
hello@xoancapital.com
Short-term financing
Long-term financing
Property types
Contact
Chat with our team to learn how Xoan simplifies real estate finance.
Give us a call at:
(855) 508-9626
Or email us:
hello@xoancapital.com
Resources
Customer center
Contact
Chat with our team to learn how Xoan simplifies real estate finance.
Give us a call at:
(855) 508-9626
Or email us:
hello@xoancapital.com
Financial Accounts
Financial Ops
Integrations
Contact
Chat with our team to learn how Xoan simplifies real estate finance.
Give us a call at:
(855) 508-9626
Or email us:
hello@xoancapital.com
Short-term financing
Long-term financing
Property types
Contact
Chat with our team to learn how Xoan simplifies real estate finance.
Give us a call at:
(855) 508-9626
Or email us:
hello@xoancapital.com
Resources
Customer center
Contact
Chat with our team to learn how Xoan simplifies real estate finance.
Give us a call at:
(855) 508-9626
Or email us:
hello@xoancapital.com
Borrow fast.
Close with confidence.
Borrow fast. Close with confidence.
Borrow fast.
Close with confidence.
From flips to rentals to ground-up developments, Xoan delivers institutional-grade financing with the speed of private money and the cost efficiency of a bank.
From flips to rentals to ground up projects, get institutional grade financing with the speed of private capital and bank level pricing.
From flips to rentals to ground-up developments, Xoan delivers institutional-grade financing with the speed of private money and the cost efficiency of a bank.
A better way to get the capital you need.
A better way to get the capital you need.
Traditional banks move too slowly and hard money is expensive. Xoan is built for active real estate investors who need fast capital, flexible terms, and full visibility across every every loan.
Traditional banks move too slowly and hard money is expensive. Xoan is built for active real estate investors who need fast capital, flexible terms, and full visibility across every every loan.
Fast closings
Get terms instantly and close in as little as 3 days for short-term loans or 15 for long-term.
Fast closings
Get terms instantly and close in as little as 3 days for short-term loans or 15 for long-term.
Fast closings
Get terms instantly and close in as little as 3 days for short-term loans or 15 for long-term.
Built for every strategy
From flips to rentals, refis, and portfolios, Xoan supports every investment stage.
Built for every strategy
From flips to rentals, refis, and portfolios, Xoan supports every investment stage.
Built for every strategy
From flips to rentals, refis, and portfolios, Xoan supports every investment stage.
Investor-first underwriting
We underwrite like investors, using DSCR, ARV, and market data to maximize leverage.
Investor-first underwriting
We underwrite like investors, using DSCR, ARV, and market data to maximize leverage.
Investor-first underwriting
We underwrite like investors, using DSCR, ARV, and market data to maximize leverage.
One unified platform
Applications, closings, draws, budgets, and payments in one seamless platform.
One unified platform
Applications, closings, draws, budgets, and payments in one seamless platform.
One unified platform
Applications, closings, draws, budgets, and payments in one seamless platform.
We’ve modernized the application process
Because we already understand your entity and profile, you can get terms on a new deal in less tha a minute. Enter a few deal-specific inputs and receive terms that you can close with.
Get Started
Step 1: Tell us about your deal
We only need a few data points in order to provide you pricing.
Step 2: Customize your loan
Step 3: Get instant terms
We’ve modernized the application
Because we already understand your entity and profile, you can get terms on a new deal in less tha a minute. Enter a few deal-specific inputs and receive terms that you can close with.
Get Started
Step 1: Tell us about your deal
We only need a few data points in order to provide you pricing.
Step 2: Customize your loan
Step 3: Get instant terms
We’ve modernized the application process
Because we already understand your entity and profile, you can get terms on a new deal in less tha a minute. Enter a few deal-specific inputs and receive terms that you can close with.
Get Started
Step 1: Tell us about your deal
We only need a few data points in order to provide you pricing.
Step 2: Customize your loan
Step 3: Get instant terms
Financing technology that eliminates friction.
Financing technology that eliminates friction.
Financing technology that eliminates friction.
Real-time loan tracking
See exactly where your loan stands from application through funding. Track progress across underwriting, conditions, closing, and funding without guessing or chasing updates.
Real-time loan tracking
See exactly where your loan stands from application through funding. Track progress across underwriting, conditions, closing, and funding without guessing or chasing updates.
Real-time loan tracking
See exactly where your loan stands from application through funding. Track progress across underwriting, conditions, closing, and funding without guessing or chasing updates.
Clear closing conditions
See exactly what is required to close your loan at every stage. All conditions are clearly listed with real-time status, so you know what has been completed, what is under review, and what still needs attention.
Clear closing conditions
See exactly what is required to close your loan at every stage. All conditions are clearly listed with real-time status, so you know what has been completed, what is under review, and what still needs attention.
Clear closing conditions
See exactly what is required to close your loan at every stage. All conditions are clearly listed with real-time status, so you know what has been completed, what is under review, and what still needs attention.
Loan documents and history
Access executed loan documents, appraisals, statements, draw records, and full loan history at any time. Everything tied to the loan is organized and easy to find.
Loan documents and history
Access executed loan documents, appraisals, statements, draw records, and full loan history at any time. Everything tied to the loan is organized and easy to find.
Loan documents and history
Access executed loan documents, appraisals, statements, draw records, and full loan history at any time. Everything tied to the loan is organized and easy to find.
"Getting financing through Xoan was smooth from start to finish. The terms were clear and closing was seamless. The entire process felt easy and well-organized."
"Getting financing through Xoan was smooth from start to finish. The terms were clear and closing was seamless. The entire process felt easy and well-organized."
Jossue Guzman, Founder of Nexgen Buyers LLC
Jossue Guzman, Founder of Nexgen Buyers LLC
A clear path for new and growing investors
A simple path for investors at any stage.
Xoan’s tiered lending model adapts to your experience. New investors get a clear, supportive path to start flipping with confidence. Experienced operators unlock faster closings, no appraisal requirements, and industry-leading pricing. It is the first fix and flip loan designed to scale with you.
A tiered lending model that scales with you, supporting new investors and unlocking faster, simpler financing as you grow.
A strong starting point for newer investors
A strong starting point
for newer investors
Xoan gives new and growing investors simple approvals, clear requirements, and competitive leverage. Each completed project improves your tier, unlocking faster closings and better pricing as you build experience.
Xoan gives new and growing investors simple approvals, clear requirements, and competitive leverage. Each completed project improves your tier, unlocking faster closings and better pricing as you build experience.
Get started
Get started
Speed and pricing built for experts
Speed and pricing
built for experts
Prime member investors get closings in 48 to 72 hours, no appraisal requirements for fix and flip, and our most competitive rates. Your experience is rewarded with the fastest, most efficient capital we offer.
Prime member investors get closings in 48 to 72 hours, no appraisal requirements for fix and flip, and our most competitive rates. Your experience is rewarded with the fastest, most efficient capital we offer.
Get premier speed
Get premier speed
The right loan Type for every opportunity
Financing built for real estate investors, from fast acquisitions to complex projects.
The right loan Type for every opportunity
Financing built for real estate investors, from fast acquisitions to complex projects.
The right loan Type for every opportunity
Financing built for real estate investors, from fast acquisitions to complex projects.
Explore other financial tools
built for real estate investors.
One of many tools built to change how investors finance real estate.
Explore other financial tools
built for real estate investors.
Control your money and move closer to financial freedom.
Control your money and move closer to financial freedom.
Have Questions?
Have Questions?
FAQs
FAQs
What is Xoan Financing?
How does Xoan deliver faster approvals and funding?
What types of loans does Xoan offer?
How much can I borrow through Xoan?
Are the rates competitive?
Why do I need a Xoan account to access financing?
How are loan decisions made?
What documentation is required to request financing?
How quickly can Xoan close a loan?
In which states is Xoan financing available?
Does Xoan require personal guarantees?
How do I start a financing request?
Why do real-estate investors choose Xoan?
Still have questions?
Still have questions?
Have questions or need assistance? Our team is here to help!
Have questions or need assistance? Our team is here to help!
Contact us
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
Disclaimers and footnotes
Xoan Technology Inc. partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, N.A., Member FDIC. Xoan Mastercard® Business Cards are issued by Celtic Bank, 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 is only earned on eligible transactions made at merchants classified under specific merchant category codes (MCCs) related to contractor and construction-related spend. Transactions processed under non-eligible MCCs do not qualify for cashback, even if the merchant provides contractor or construction services. 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, 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 © 2026 xoancapital.com. All rights reserved.
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
Disclaimers and footnotes
Xoan Technology Inc. partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, N.A., Member FDIC. Xoan Mastercard® Business Cards are issued by Celtic Bank, 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 is only earned on eligible transactions made at merchants classified under specific merchant category codes (MCCs) related to contractor and construction-related spend. Transactions processed under non-eligible MCCs do not qualify for cashback, even if the merchant provides contractor or construction services. 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, 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 © 2026 xoancapital.com. All rights reserved.
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
Disclaimers and footnotes
Xoan Technology Inc. partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, N.A., Member FDIC. Xoan Mastercard® Business Cards are issued by Celtic Bank, 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 is only earned on eligible transactions made at merchants classified under specific merchant category codes (MCCs) related to contractor and construction-related spend. Transactions processed under non-eligible MCCs do not qualify for cashback, even if the merchant provides contractor or construction services. 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, 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 © 2026 xoancapital.com. All rights reserved.