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
Back
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
Back
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
Back
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
Back
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
Back
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
Back
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
Earn more on idle cash between deals
Earn more on idle cash between deals
Earn more on idle cash between deals
High-Yield accounts built for real estate investors who need liquidity and higher returns.
High-Yield accounts built for real estate investors who need liquidity and higher returns.
High-Yield accounts built for real estate investors who need liquidity and higher returns.
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Contact Sales
Put your idle capital to work.
Put your idle capital to work.
Put your idle capital to work.
Target up to 9% annually, with liquidity when you need it.
Target up to 9% annually, with liquidity when you need it.
Target up to 9% annually, with liquidity when you need it.
Get started
Liquidity when you need it
Earn up to a 7% annual return with full access to your capital.
Liquidity when you need it
Earn up to a 7% annual return with full access to your capital.
Liquidity when you need it
Earn up to a 7% annual return with full access to your capital.
Highest yield in the market
Lock capital for a fixed term and earn a 9% annual return.
Highest yield in the market
Lock capital for a fixed term and earn a 9% annual return.
Highest yield in the market
Lock capital for a fixed term and earn a 9% annual return.
Protected while it earns
Funds are held with regulated bank partners and eligible for FDIC pass-through coverage.
Protected while it earns
Funds are held with regulated bank partners and eligible for FDIC pass-through coverage.
Protected while it earns
Funds are held with regulated bank partners and eligible for FDIC pass-through coverage.
Idle capital is one of the biggest inefficiencies in real estate. We built High Cashback Accounts so investors can earn meaningful cashback between deals without sacrificing liquidity or speed. Capital should stay productive even when it’s idle.
Idle capital is one of the biggest inefficiencies in real estate. We built High Cashback Accounts so investors can earn meaningful cashback between deals without sacrificing liquidity or speed. Capital should stay productive even when it’s idle.
Idle capital is one of the biggest inefficiencies in real estate. We built High Cashback Accounts so investors can earn meaningful cashback between deals without sacrificing liquidity or speed. Capital should stay productive even when it’s idle.
Idle capital is one of the biggest inefficiencies in real estate. We built High Cashback Accounts so investors can earn meaningful cashback between deals without sacrificing liquidity or speed. Capital should stay productive even when it’s idle.
Eric Leander, CCO & Securities Attorney
Eric Leander, CCO & Securities Attorney
Eric Leander, CCO & Securities Attorney
Two options that lead the industry in yield.
Two options that lead the industry in yield.
Two options that lead the industry in yield.
Verify your accreditation status in a few clicks.
We have simplified the accreditation verification process. what used to be a heavy documentation process, its now s simple few clicks to gain access to yields as high as 7%.
Get Started
Step 1: Confirm your eligibility
Answer a short set of questions to determine whether you qualify as an accredited investor. This takes just a few clicks and helps us route you to the correct verification path.
Step 2: Verify your status
Step 3: Access higher yield accounts
Verify your accreditation status in a few clicks.
We have simplified the accreditation verification process. what used to be a heavy documentation process, its now s simple few clicks to gain access to yields as high as 7%.
Get Started
Step 1: Confirm your eligibility
Answer a short set of questions to determine whether you qualify as an accredited investor. This takes just a few clicks and helps us route you to the correct verification path.
Step 2: Verify your status
Step 3: Access higher yield accounts
Verify your accreditation status in a few clicks.
We have simplified the accreditation verification process. what used to be a heavy documentation process, its now s simple few clicks to gain access to yields as high as 7%.
Get Started
Step 1: Confirm your eligibility
Answer a short set of questions to determine whether you qualify as an accredited investor. This takes just a few clicks and helps us route you to the correct verification path.
Step 2: Verify your status
Step 3: Access higher yield accounts
Earn Monthly. See It Clearly. Move It Freely.
Earn Monthly. See It Clearly. Move It Freely.
Earn Monthly. See It Clearly. Move It Freely.
Accounts designed for real estate use cases
Each entity starts with a primary account and supports unlimited sub-accounts for properties, projects, and specific uses. This lets investors separate operating cash, renovation budgets, rental income, and reserves without opening multiple banks or commingling funds.
Accounts designed for real estate use cases
Each entity starts with a primary account and supports unlimited sub-accounts for properties, projects, and specific uses. This lets investors separate operating cash, renovation budgets, rental income, and reserves without opening multiple banks or commingling funds.
Accounts designed for real estate use cases
Each entity starts with a primary account and supports unlimited sub-accounts for properties, projects, and specific uses. This lets investors separate operating cash, renovation budgets, rental income, and reserves without opening multiple banks or commingling funds.
Property and project-level organization
Every account can be tagged to a property, renovation, or portfolio, creating automatic financial organization without spreadsheets. Income and expenses stay tied to the deal they belong to.
Property and project-level organization
Every account can be tagged to a property, renovation, or portfolio, creating automatic financial organization without spreadsheets. Income and expenses stay tied to the deal they belong to.
Property and project-level organization
Every account can be tagged to a property, renovation, or portfolio, creating automatic financial organization without spreadsheets. Income and expenses stay tied to the deal they belong to.
Experience Level
Accreditation
Annual Return (Cashback)
Pro account: $1 - $150K
Accredited
4%
Pro account: $150K - $500K
Accredited
5%
Pro account: $500K - $1M
Accredited
6%
Pro account: $1M - $2M
Accredited
7%
Prime account ($75K+)
Accredited
9%
One of many game-changing solutions offered by Xoan Capital.
One of many game-changing solutions offered by Xoan Capital.
One of many game-changing solutions offered by Xoan Capital.
Control your money. Achieve financial freedom. Open a business account today.
Takes less than 2 minutes.
Open account
Have Questions?
FAQs
FAQs
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?
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!
Have questions or need assistance? Our team is here to help!
Contact us
Xoan enables your financial freedom.
Start earning today.
Takes 10 mins.
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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