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
Business cards
built for real estate.
Business cards
built for real estate.
Business cards
built for real estate.
Give every project, vendor, or team member their own card, virtual or physical, with real-time controls that keep every dollar accountable.
Give every project, vendor, or team member their own card, virtual or physical, with real-time controls that keep every dollar accountable.
Give every project, vendor, or team member their own card, virtual or physical, with real-time controls that keep every dollar accountable.
Xoan Mastercard® Business Cards are powered by Stripe and issued by Celtic Bank, Member FDIC.
Xoan Mastercard® Business Cards are powered by Stripe and issued by Celtic Bank, Member FDIC.
Xoan Mastercard® Business Cards are powered by Stripe and issued by Celtic Bank, Member FDIC.
Total spend control, built into every card
Total spend control, built into every card
Total spend control, built into every card
Issue physical and virtual cards with built-in limits, real-time visibility, and instant controls so every dollar stays within budget.
Issue physical and virtual cards with built-in limits, real-time visibility, and instant controls so every dollar stays within budget.
Issue physical and virtual cards with built-in limits, real-time visibility, and instant controls so every dollar stays within budget.
Issue Cards Instantly
Create unlimited physical and virtual cards in seconds. Assign them to properties, projects, vendors, or team members with no back and forth.
Issue Cards Instantly
Create unlimited physical and virtual cards in seconds. Assign them to properties, projects, vendors, or team members with no back and forth.
Issue Cards Instantly
Create unlimited physical and virtual cards in seconds. Assign them to properties, projects, vendors, or team members with no back and forth.
Set Spend Limits
Control spend by dollar amount, time period, merchant category, or vendor. Adjust limits instantly as projects progress.
Set Spend Limits
Control spend by dollar amount, time period, merchant category, or vendor. Adjust limits instantly as projects progress.
Set Spend Limits
Control spend by dollar amount, time period, merchant category, or vendor. Adjust limits instantly as projects progress.
Track Every Dollar
Automatically categorize spend by property and project. Know exactly where money is going without spreadsheets or manual reconciliation.
Track Every Dollar
Automatically categorize spend by property and project. Know exactly where money is going without spreadsheets or manual reconciliation.
Track Every Dollar
Automatically categorize spend by property and project. Know exactly where money is going without spreadsheets or manual reconciliation.
Pause or Cancel Anytime
Lock cards instantly if a project pauses, a vendor finishes work, or something does not look right. No phone calls required.
Pause or Cancel Anytime
Lock cards instantly if a project pauses, a vendor finishes work, or something does not look right. No phone calls required.
Pause or Cancel Anytime
Lock cards instantly if a project pauses, a vendor finishes work, or something does not look right. No phone calls required.
"Every card is issued with explicit limits, real-time visibility, and instant enforcement, so spend is governed by systems instead of manual oversight."
Mubashar Iqbal, Chief Technology Officer
Earn as You Spend.
Earn as You Spend.
Earn as You Spend.
Earn up to 1.5% cashback⁴ on eligible project spending made with your Xoan business cards, automatically calculated and credited directly to your account with no points, categories, or redemptions to track.
Earn up to 1.5% cashback⁴ on eligible project spending made with your Xoan business cards, automatically calculated and credited directly to your account with no points, categories, or redemptions to track.
Earn up to 1.5% cashback⁴ on eligible project spending made with your Xoan business cards, automatically calculated and credited directly to your account with no points, categories, or redemptions to track.
Get notified
Card Controls Explained
Spend Limits
Set clear spending limits for every card based on the project, vendor, or role. Define daily, weekly, or total limits to keep budgets on track and prevent overruns. Spend limits update instantly, giving you control over how money is used without slowing work on active projects.
Merchant Controls
Pause and Cancel Instantly
Card Controls Explained
Spend Limits
Set clear spending limits for every card based on the project, vendor, or role. Define daily, weekly, or total limits to keep budgets on track and prevent overruns. Spend limits update instantly, giving you control over how money is used without slowing work on active projects.
Merchant Controls
Pause and Cancel Instantly
Card Controls Explained
Spend Limits
Set clear spending limits for every card based on the project, vendor, or role. Define daily, weekly, or total limits to keep budgets on track and prevent overruns. Spend limits update instantly, giving you control over how money is used without slowing work on active projects.
Merchant Controls
Pause and Cancel Instantly
Built for multi-entity real estate operations
Built for multi-entity real estate operations
Built for multi-entity real estate operations
The smarter way to spend on real estate.
Issue cards, set controls, and track every dollar, while earning rewards.
Get Started with Xoan Cards
Have a special request?
Contact Sales
Have Questions?
FAQs
FAQs
FAQs
What is Xoan?
What is Xoan?
What is Xoan?
What types of financing does Xoan offer?
What types of financing does Xoan offer?
What types of financing does Xoan offer?
How does Xoan help me manage my cash and financing together?
How does Xoan help me manage my cash and financing together?
How does Xoan help me manage my cash and financing together?
Can I earn yield on idle capital held in my Xoan accounts?
Can I earn yield on idle capital held in my Xoan accounts?
Can I earn yield on idle capital held in my Xoan accounts?
How fast can Xoan close a loan?
How fast can Xoan close a loan?
How fast can Xoan close a loan?
How does Xoan support project budgeting and spending?
How does Xoan support project budgeting and spending?
How does Xoan support project budgeting and spending?
Can I create separate accounts for different properties?
Can I create separate accounts for different properties?
Can I create separate accounts for different properties?
Are my funds protected when stored in Xoan accounts?
Are my funds protected when stored in Xoan accounts?
Are my funds protected when stored in Xoan accounts?
Do I need a Xoan account to request financing?
Do I need a Xoan account to request financing?
Do I need a Xoan account to request financing?
What tools does the Xoan dashboard provide?
What tools does the Xoan dashboard provide?
What tools does the Xoan dashboard provide?
Can I transfer funds between Xoan and external accounts?
Can I transfer funds between Xoan and external accounts?
Can I transfer funds between Xoan and external accounts?
What entity requirements are needed for financing?
What entity requirements are needed for financing?
What entity requirements are needed for financing?
Where is Xoan financing available?
Where is Xoan financing available?
Where is Xoan financing available?
How do spend controls work for teams and contractors?
How do spend controls work for teams and contractors?
How do spend controls work for teams and contractors?
What makes Xoan different from using separate lenders, accounts, and budgeting tools?
What makes Xoan different from using separate lenders, accounts, and budgeting tools?
What makes Xoan different from using separate lenders, accounts, and budgeting tools?
Do I need to maintain a minimum balance in my Xoan accounts?
Do I need to maintain a minimum balance in my Xoan accounts?
Do I need to maintain a minimum balance in my Xoan accounts?
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
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.