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Fix & flip
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Fix & Flip
Flip faster. Profit smarter.
Close in as little as 3 days, finance up to 100% of rehab costs, and leverage up to 90% of the purchase cost—so you can focus on the project, not the paperwork.
Get Started
Check your rates
Total dispersed
$26,531.86
Draw 1
Funded
Amount: $15,000.00
Draw 2
Funded
Amount: $10,000.00
Draw 3
Requested
Amount: $10,000.00
$50,131.86
Total budget
$23,600.00
Remaining amount
Why Fix & Flip Investors Choose Xoan Financing
Because a great deal can’t wait
In the flipping game, opportunities move fast. You need capital that’s ready when you are—without the delays, costs, or headaches of traditional financing. Xoan puts speed, control, and clarity in one platform.
Fast Close
Get terms instantly, close in days
High Leverage
Competitive LTV and ARV-based options
Renovation holdbacks
Funds released when you need them
Transparent process
Real-time updates from application to close.
Your project, fully powered
How Fix & Flip Financing Works
Simple steps from application to final payoff.
Apply In Minutes
Provide property details and project plans
Review Your Terms Instantly
Clear, competitive pricing that aligns with your budget
Close Fast
Finalize docs and get funded in days
Manage Your Lone In-platform
Request draws, track spend, and schedule payments—no calls, no delays
Your deal’s command center
All-In-One Loan & Renovation Management
Track your loan progress, keep crews paid, and control every dollar—all from one dashboard
Real-time loan progress tracker
Built-in cheklists for faster underwriting
Secure document uploads
Integrated renovation budgets with live spend tracking
Draws & Disbursements
Funding that matches your project’s pace
Request funds in seconds, see approvals in real time, and track exactly how much remains in your budget.
Explore loan options
Draw requests submitted online
Inspection status tracking
Funded vs. requested totals updated live
Real Estate Project 1
Real Estate Project 3
External Accounts
Bank-grade Protection
Terms at a Glance
Know your numbers from the start
Transparent terms so you can plan with confidence.
Loan Amounts
$75K – $4M (up to $10M on exception)
Rates
Starting at 6.25%
Leverage
Up to 85% purchase price, 70% ARV
Structure
Interest-only options available
Property Types
1–4 unit investment properties, small multifamily, condos
Why Xoan beats the old way
Speed, transparency, and control—without the cost of hard money or the uncertainty of private money.
Time to Close
Cost of Capital
Management Tools
Transparency
Draw Process
Reliability
Traditional Banks
Weeks
Low
None
Low
Slow
High
Hard Money
5–10 days
Very High
None
Low
Slow
Medium
Private Money
Varies
Varies (often high)
None
Low
Inconsistent
Low
Days
Competitive
Built-in Dashboard
High
Instant Online
High
Profit Protection Features
Keep more
of what you make
Control costs, avoid delays, and protect your margins.
Open an account
Avoid delays that eat into ROI with instant draws.
Reduce overspend with budget controls and card limits.
Access competitive leverage without hard money rates.
+$1500
Balance: $200,000
$1,500
High Yield Account
January
9% APY
Deal Timeline
From purchase to profit with Xoan
A clear path from Day 1 to closing day. See it for out yourself below.
Open an account
Day 1
Day 5-7
Close and fund purchase
Weeks 1–6
Week 8
Week 9–12
Total dispersed
$26,531.86
Draw 1
Funded
Amount: $15,000.00
Draw 2
Funded
Amount: $10,000.00
Draw 3
Requested
Amount: $10,000.00
Draw 4
Draw 5
$50,131.86
Total budget
$23,600.00
Remaining amount
More than just capital
What’s Included in Every Xoan Fix & Flip Loan
Tools and support to make your flip a success.
Real-time loan tracker
Instant draw requests
Card controls for project expenses
Secure document uploads
Integrated renovation budgets
Have Questions?
FAQ
Everything you need to know about Fix & Flip loans with Xoan.
Do you finance both purchase and renovation costs?
Yes—renovation budgets are funded via draw requests.
How fast can I close?
Can I refinance into a rental loan?
Still have questions?
Have questions or need assistance? Our team is here to help!
Contact us
Flip faster. Profit sooner.
Funding and management tools built for serious investors—ready to power your next deal.
Get Started
Have a special request?
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Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
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Copyright © 2025 xoancapital.com. All rights reserved.
This is not a commitment to lend. All offers of credit are subject to approval.
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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].