Financing
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Overview
Fast, Reliable Financing.
Right Where You
Keep Your Cash.
Fast, Reliable Financing.
Right Where You Keep Your Cash.
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.
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As seen in the most trusted publications by real estate investors.
As seen in the most trusted publications by real estate investors.
Why Investors Choose Xoan
Financing that closes deals
Banks are slow. Hard money is expensive. Xoan is built for active investors who need both speed and scale. We combine competitive leverage, flexible underwriting, and a digital platform that puts you in control of every loan, draw, and payment.
Close in days, not weeks
Get custom terms in seconds and close in as little as 3 days for short-term loans or 15 days for long-term—much faster than banks.
Products for every strategy
From flips and builds to rentals, refis, and portfolios, Xoan has the right structure for every stage of your investment.
Investor-first underwriting
We underwrite like investors—using DSCR, ARV, and market metrics to maximize leverage and flexibility, not restrict it.
One dashboard for everything
From applications to closing, draws, budgets, and payments — all managed in one seamless platform.
Loan Products
The right loan Type for every opportunity
Explore our financing solutions for every investment strategy.
Loan Products
The right loan Type for every opportunity
Explore our financing solutions for every investment strategy.
Loan Products
The right loan Type for every opportunity
Explore our financing solutions for every investment strategy.
Technology + Transparency
Your loan, in real time
With Xoan, financing a rental property is as simple as it should be. You’ll get instant custom pricing, easy document uploads, and clear visibility into every stage of your loan — from application to closing day.
Step 1: Apply and Get Instant Custom Pricing
Start your rental loan application online — it takes less than 60 seconds. Enter a few bits of information, then, Instantly see your custom loan terms, including projected rates, LTV, and DSCR qualification — all tailored to your deal. No credit pulls or paperwork required to preview your pricing. Just clarity and confidence, right from the start.
Step 2: We Handle the Documents for You
Step 3: Track Your Loan Progress in Real Time
Step 4: Close, Manage Payments, and Payoffs
Technology + Transparency
Your loan, in real time
With Xoan, financing a rental property is as simple as it should be. You’ll get instant custom pricing, easy document uploads, and clear visibility into every stage of your loan — from application to closing day.
Step 1: Apply and Get Instant Custom Pricing
Start your rental loan application online — it takes less than 60 seconds. Enter a few bits of information, then, Instantly see your custom loan terms, including projected rates, LTV, and DSCR qualification — all tailored to your deal. No credit pulls or paperwork required to preview your pricing. Just clarity and confidence, right from the start.
Step 2: We Handle the Documents for You
Step 3: Track Your Loan Progress in Real Time
Step 4: Close, Manage Payments, and Payoffs
Technology + Transparency
Your loan, in real time
With Xoan, financing a rental property is as simple as it should be. You’ll get instant custom pricing, easy document uploads, and clear visibility into every stage of your loan — from application to closing day.
Step 1: Apply and Get Instant Custom Pricing
Start your rental loan application online — it takes less than 60 seconds. Enter a few bits of information, then, Instantly see your custom loan terms, including projected rates, LTV, and DSCR qualification — all tailored to your deal. No credit pulls or paperwork required to preview your pricing. Just clarity and confidence, right from the start.
Step 2: We Handle the Documents for You
Step 3: Track Your Loan Progress in Real Time
Step 4: Close, Manage Payments, and Payoffs
Who we serve
Designed for Every Type of Real Estate Investor
Who we serve
Designed for Every Type of Real Estate Investor
Who we serve
Designed for Every Type of Real Estate Investor
Get the Financing
You Need Today.
Get the Financing You Need Today.
Get the Financing
You Need Today.
Apply now
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Have Questions?
FAQs
What is Xoan Financing?
Xoan provides real-estate investors with fast, flexible financing for acquisitions, rehabs, refinances, ground-up builds, and long-term rental properties. The platform connects your financial accounts, project budgeting, and borrowing so you can move quickly and keep every project organized.
What is Xoan Financing?
Xoan provides real-estate investors with fast, flexible financing for acquisitions, rehabs, refinances, ground-up builds, and long-term rental properties. The platform connects your financial accounts, project budgeting, and borrowing so you can move quickly and keep every project organized.
What is Xoan Financing?
Xoan provides real-estate investors with fast, flexible financing for acquisitions, rehabs, refinances, ground-up builds, and long-term rental properties. The platform connects your financial accounts, project budgeting, and borrowing so you can move quickly and keep every project organized.
How does Xoan deliver faster approvals and funding?
Your financial activity, project budgets, and loan requests are all managed inside one platform. Because everything is centralized, underwriting can verify what’s needed quickly, provide real-time pricing, and close most deals significantly faster than traditional lenders.
How does Xoan deliver faster approvals and funding?
Your financial activity, project budgets, and loan requests are all managed inside one platform. Because everything is centralized, underwriting can verify what’s needed quickly, provide real-time pricing, and close most deals significantly faster than traditional lenders.
How does Xoan deliver faster approvals and funding?
Your financial activity, project budgets, and loan requests are all managed inside one platform. Because everything is centralized, underwriting can verify what’s needed quickly, provide real-time pricing, and close most deals significantly faster than traditional lenders.
What types of loans does Xoan offer?
Xoan provides four core real-estate investment loan products:
Bridge Loans for fast acquisitions or short-term refinances
Fix & Flip Loans for purchase + renovation projects
Ground Up Construction Loans for new builds on 1–4 unit residential properties
Rental (DSCR) Loans for long-term cash-flowing rental properties
These products are designed specifically for active real-estate investors.
What types of loans does Xoan offer?
Xoan provides four core real-estate investment loan products:
Bridge Loans for fast acquisitions or short-term refinances
Fix & Flip Loans for purchase + renovation projects
Ground Up Construction Loans for new builds on 1–4 unit residential properties
Rental (DSCR) Loans for long-term cash-flowing rental properties
These products are designed specifically for active real-estate investors.
What types of loans does Xoan offer?
Xoan provides four core real-estate investment loan products:
Bridge Loans for fast acquisitions or short-term refinances
Fix & Flip Loans for purchase + renovation projects
Ground Up Construction Loans for new builds on 1–4 unit residential properties
Rental (DSCR) Loans for long-term cash-flowing rental properties
These products are designed specifically for active real-estate investors.
How much can I borrow through Xoan?
Loan amounts typically range from $75,000 to $4,000,000, depending on property type, project plan, leverage, and borrower qualification.
How much can I borrow through Xoan?
Loan amounts typically range from $75,000 to $4,000,000, depending on property type, project plan, leverage, and borrower qualification.
How much can I borrow through Xoan?
Loan amounts typically range from $75,000 to $4,000,000, depending on property type, project plan, leverage, and borrower qualification.
Are the rates competitive?
Yes. Xoan provides transparent pricing designed for real-estate investors. Rates and terms vary by loan type, experience level, leverage, and project risk. All pricing is shown upfront — no hidden points or surprise fees.
Are the rates competitive?
Yes. Xoan provides transparent pricing designed for real-estate investors. Rates and terms vary by loan type, experience level, leverage, and project risk. All pricing is shown upfront — no hidden points or surprise fees.
Are the rates competitive?
Yes. Xoan provides transparent pricing designed for real-estate investors. Rates and terms vary by loan type, experience level, leverage, and project risk. All pricing is shown upfront — no hidden points or surprise fees.
Why do I need a Xoan account to access financing?
Your Xoan financial accounts are part of the lending workflow.By holding project funds and managing spending through the platform, underwriting becomes faster, documentation is streamlined, and funding can occur quicker.Your account also provides project-based spend controls and real-time visibility on each property.
Why do I need a Xoan account to access financing?
Your Xoan financial accounts are part of the lending workflow.By holding project funds and managing spending through the platform, underwriting becomes faster, documentation is streamlined, and funding can occur quicker.Your account also provides project-based spend controls and real-time visibility on each property.
Why do I need a Xoan account to access financing?
Your Xoan financial accounts are part of the lending workflow.By holding project funds and managing spending through the platform, underwriting becomes faster, documentation is streamlined, and funding can occur quicker.Your account also provides project-based spend controls and real-time visibility on each property.
How are loan decisions made?
Loan decisions are based on:
Property value and project viability
Credit profile
Experience level (when relevant)
Leverage requested
Cash reserves
Exit strategy
Because the process is integrated with your platform account, turnaround times are significantly faster than typical underwriting.
How are loan decisions made?
Loan decisions are based on:
Property value and project viability
Credit profile
Experience level (when relevant)
Leverage requested
Cash reserves
Exit strategy
Because the process is integrated with your platform account, turnaround times are significantly faster than typical underwriting.
How are loan decisions made?
Loan decisions are based on:
Property value and project viability
Credit profile
Experience level (when relevant)
Leverage requested
Cash reserves
Exit strategy
Because the process is integrated with your platform account, turnaround times are significantly faster than typical underwriting.
What documentation is required to request financing?
Documentation varies by loan type, but core items include:
Entity documents (LLC formation, operating agreement, EIN)
Guarantor identification
Property contract or payoff information
Budget, scope of work, or draw schedule (when applicable)
Appraisal or valuation documents
Reserve verification through your Xoan financial accounts or external accounts
Xoan keeps documentation simple and clearly outlines only what’s needed.
What documentation is required to request financing?
Documentation varies by loan type, but core items include:
Entity documents (LLC formation, operating agreement, EIN)
Guarantor identification
Property contract or payoff information
Budget, scope of work, or draw schedule (when applicable)
Appraisal or valuation documents
Reserve verification through your Xoan financial accounts or external accounts
Xoan keeps documentation simple and clearly outlines only what’s needed.
What documentation is required to request financing?
Documentation varies by loan type, but core items include:
Entity documents (LLC formation, operating agreement, EIN)
Guarantor identification
Property contract or payoff information
Budget, scope of work, or draw schedule (when applicable)
Appraisal or valuation documents
Reserve verification through your Xoan financial accounts or external accounts
Xoan keeps documentation simple and clearly outlines only what’s needed.
How quickly can Xoan close a loan?
Many loans close in as little as 3–10 business days, depending on the product and appraisal timeline. Because your financial accounts and documentation live inside one platform, most borrowers experience faster closings than traditional financing options.
How quickly can Xoan close a loan?
Many loans close in as little as 3–10 business days, depending on the product and appraisal timeline. Because your financial accounts and documentation live inside one platform, most borrowers experience faster closings than traditional financing options.
How quickly can Xoan close a loan?
Many loans close in as little as 3–10 business days, depending on the product and appraisal timeline. Because your financial accounts and documentation live inside one platform, most borrowers experience faster closings than traditional financing options.
In which states is Xoan financing available?
Xoan lends in most U.S. states. Some states may have restrictions due to licensing or product availability. Availability is confirmed during your application.
In which states is Xoan financing available?
Xoan lends in most U.S. states. Some states may have restrictions due to licensing or product availability. Availability is confirmed during your application.
In which states is Xoan financing available?
Xoan lends in most U.S. states. Some states may have restrictions due to licensing or product availability. Availability is confirmed during your application.
Does Xoan require personal guarantees?
Most short-term loans (Bridge, Fix & Flip, Ground Up) require a U.S.-based personal guarantor through your business entity.Long-term DSCR loans are made to the individual borrower but may be vested into an LLC for property ownership purposes.
Does Xoan require personal guarantees?
Most short-term loans (Bridge, Fix & Flip, Ground Up) require a U.S.-based personal guarantor through your business entity.Long-term DSCR loans are made to the individual borrower but may be vested into an LLC for property ownership purposes.
Does Xoan require personal guarantees?
Most short-term loans (Bridge, Fix & Flip, Ground Up) require a U.S.-based personal guarantor through your business entity.Long-term DSCR loans are made to the individual borrower but may be vested into an LLC for property ownership purposes.
How do I start a financing request?
Open your Xoan account, complete your investor profile, and select the financing product you need.You can then submit your property details, upload documents, and track the underwriting process directly within your dashboard.
How do I start a financing request?
Open your Xoan account, complete your investor profile, and select the financing product you need.You can then submit your property details, upload documents, and track the underwriting process directly within your dashboard.
How do I start a financing request?
Open your Xoan account, complete your investor profile, and select the financing product you need.You can then submit your property details, upload documents, and track the underwriting process directly within your dashboard.
Why do real-estate investors choose Xoan?
Investors choose Xoan because the platform delivers:
Fast financing supported by integrated financial accounts
Clear, transparent pricing
Project-based spend controls built into each loan
A single platform to manage cash, spending, and borrowing
A real-estate–first experience designed for active investors
Why do real-estate investors choose Xoan?
Investors choose Xoan because the platform delivers:
Fast financing supported by integrated financial accounts
Clear, transparent pricing
Project-based spend controls built into each loan
A single platform to manage cash, spending, and borrowing
A real-estate–first experience designed for active investors
Why do real-estate investors choose Xoan?
Investors choose Xoan because the platform delivers:
Fast financing supported by integrated financial accounts
Clear, transparent pricing
Project-based spend controls built into each loan
A single platform to manage cash, spending, and borrowing
A real-estate–first experience designed for active investors
Still have questions?
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
Copyright © 2025 xoancapital.com. All rights reserved.
This is not a commitment to lend. All offers of credit are subject to approval.
Restrictions may apply. Xoan Inc. reserves the right to amend rates and guidelines.
Total yield includes base APY and any promotional returns, subject to the total balance across Xoan High-Yield Accounts and Debt Yield Fund. APY is the annual percentage yield and is effective as of 07/17/25. Promotional returns, if applicable, are effective as of 07/17/25 and provided by Xoan Technologies, Inc. APY and promotional returns are variable and only earned on funds held in yield-bearing accounts. Earnings are calculated monthly and automatically reinvested. See current rates and disclosures [here].Xoan Technologies, Inc. | 123 Xoan Blvd, Suite 100 | San Francisco, CA 94105Xoan is a financial technology company, not a bank. Banking services are provided by [Partner Bank Name], Member FDIC. The Xoan business account includes high-yield savings, cash management tools, and debit cards issued by [Partner Bank Name] pursuant to licenses from Mastercard International Inc. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.Funds held in Xoan High-Yield Accounts are FDIC insured up to the standard limits through our partner banks. Funds in the Xoan Debt Yield Fund are not FDIC insured, are subject to investment risks, and may lose value. Past performance does not guarantee future results. This is not an offer or solicitation to buy or sell securities. Xoan Technologies, Inc. does not provide legal, tax, or investment advice.All loans and credit products are subject to approval, including underwriting, credit, and collateral requirements, as well as availability. Nothing herein should be construed as a commitment to lend.Some Xoan products may have associated fees. See pricing details [here].
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
Copyright © 2025 xoancapital.com. All rights reserved.
This is not a commitment to lend. All offers of credit are subject to approval.
Restrictions may apply. Xoan Inc. reserves the right to amend rates and guidelines.
Total yield includes base APY and any promotional returns, subject to the total balance across Xoan High-Yield Accounts and Debt Yield Fund. APY is the annual percentage yield and is effective as of 07/17/25. Promotional returns, if applicable, are effective as of 07/17/25 and provided by Xoan Technologies, Inc. APY and promotional returns are variable and only earned on funds held in yield-bearing accounts. Earnings are calculated monthly and automatically reinvested. See current rates and disclosures [here].Xoan Technologies, Inc. | 123 Xoan Blvd, Suite 100 | San Francisco, CA 94105Xoan is a financial technology company, not a bank. Banking services are provided by [Partner Bank Name], Member FDIC. The Xoan business account includes high-yield savings, cash management tools, and debit cards issued by [Partner Bank Name] pursuant to licenses from Mastercard International Inc. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.Funds held in Xoan High-Yield Accounts are FDIC insured up to the standard limits through our partner banks. Funds in the Xoan Debt Yield Fund are not FDIC insured, are subject to investment risks, and may lose value. Past performance does not guarantee future results. This is not an offer or solicitation to buy or sell securities. Xoan Technologies, Inc. does not provide legal, tax, or investment advice.All loans and credit products are subject to approval, including underwriting, credit, and collateral requirements, as well as availability. Nothing herein should be construed as a commitment to lend.Some Xoan products may have associated fees. See pricing details [here].
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
Copyright © 2025 xoancapital.com. All rights reserved.
This is not a commitment to lend. All offers of credit are subject to approval.
Restrictions may apply. Xoan Inc. reserves the right to amend rates and guidelines.
Total yield includes base APY and any promotional returns, subject to the total balance across Xoan High-Yield Accounts and Debt Yield Fund. APY is the annual percentage yield and is effective as of 07/17/25. Promotional returns, if applicable, are effective as of 07/17/25 and provided by Xoan Technologies, Inc. APY and promotional returns are variable and only earned on funds held in yield-bearing accounts. Earnings are calculated monthly and automatically reinvested. See current rates and disclosures [here].Xoan Technologies, Inc. | 123 Xoan Blvd, Suite 100 | San Francisco, CA 94105Xoan is a financial technology company, not a bank. Banking services are provided by [Partner Bank Name], Member FDIC. The Xoan business account includes high-yield savings, cash management tools, and debit cards issued by [Partner Bank Name] pursuant to licenses from Mastercard International Inc. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.Funds held in Xoan High-Yield Accounts are FDIC insured up to the standard limits through our partner banks. Funds in the Xoan Debt Yield Fund are not FDIC insured, are subject to investment risks, and may lose value. Past performance does not guarantee future results. This is not an offer or solicitation to buy or sell securities. Xoan Technologies, Inc. does not provide legal, tax, or investment advice.All loans and credit products are subject to approval, including underwriting, credit, and collateral requirements, as well as availability. Nothing herein should be construed as a commitment to lend.Some Xoan products may have associated fees. See pricing details [here].