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.
Xoan Mastercard® Business Cards are powered by Stripe and issued by Celtic Bank.
Xoan Mastercard® Business Cards are powered by Stripe and issued by Celtic Bank.
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."
"Every card is issued with explicit limits, real-time visibility, and instant enforcement, so spend is governed by systems instead of manual oversight."
"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
Mubashar Iqbal, Chief Technology Officer
Mubashar Iqbal, Chief Technology Officer
Earn as You Spend.
Earn as You Spend.
Earn as You Spend.
Earn up to 1.5% cashback³ on project spending made with your Xoan business cards. Cashback³ is calculated automatically and credited directly to your account, so rewards are earned without having to track points, categories, or redemptions.
Earn up to 1.5% cashback³ on project spending made with your Xoan business cards. Cashback³ is calculated automatically and credited directly to your account, so rewards are earned without having to track points, categories, or redemptions.
Earn up to 1.5% cashback³ on project spending made with your Xoan business cards. Cashback³ is calculated automatically and credited directly to your account, so rewards are earned without having to track points, categories, or redemptions.
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?
Xoan is a unified financial platform built specifically for real-estate investors. It combines financial accounts, project-based spend controls, and fast investment property financing into one streamlined system.
What is Xoan?
Xoan is a unified financial platform built specifically for real-estate investors. It combines financial accounts, project-based spend controls, and fast investment property financing into one streamlined system.
What is Xoan?
Xoan is a unified financial platform built specifically for real-estate investors. It combines financial accounts, project-based spend controls, and fast investment property financing into one streamlined system.
What types of financing does Xoan offer?
Xoan provides four core loan products for real-estate investors:
Bridge Loans
Fix & Flip Loans
Ground Up Construction Loans
Rental (DSCR) Loans
These products cover acquisitions, renovations, refinances, new construction, and long-term rental investment.
What types of financing does Xoan offer?
Xoan provides four core loan products for real-estate investors:
Bridge Loans
Fix & Flip Loans
Ground Up Construction Loans
Rental (DSCR) Loans
These products cover acquisitions, renovations, refinances, new construction, and long-term rental investment.
What types of financing does Xoan offer?
Xoan provides four core loan products for real-estate investors:
Bridge Loans
Fix & Flip Loans
Ground Up Construction Loans
Rental (DSCR) Loans
These products cover acquisitions, renovations, refinances, new construction, and long-term rental investment.
How does Xoan help me manage my cash and financing together?
Xoan allows you to store, organize, and allocate your capital inside your platform accounts while also using that same environment to request financing. Your cash flow, budgets, spending, and loan activity all stay in one place.
How does Xoan help me manage my cash and financing together?
Xoan allows you to store, organize, and allocate your capital inside your platform accounts while also using that same environment to request financing. Your cash flow, budgets, spending, and loan activity all stay in one place.
How does Xoan help me manage my cash and financing together?
Xoan allows you to store, organize, and allocate your capital inside your platform accounts while also using that same environment to request financing. Your cash flow, budgets, spending, and loan activity all stay in one place.
Can I earn yield on idle capital held in my Xoan accounts?
Yes. Idle capital stored in your Xoan accounts earns competitive yield while remaining accessible for project use or future investments.
Can I earn yield on idle capital held in my Xoan accounts?
Yes. Idle capital stored in your Xoan accounts earns competitive yield while remaining accessible for project use or future investments.
Can I earn yield on idle capital held in my Xoan accounts?
Yes. Idle capital stored in your Xoan accounts earns competitive yield while remaining accessible for project use or future investments.
How fast can Xoan close a loan?
Because your financial accounts, documents, and project data live inside the same platform, many qualified borrowers can close financing in 3–10 business days, depending on the loan type and appraisal timeline.
How fast can Xoan close a loan?
Because your financial accounts, documents, and project data live inside the same platform, many qualified borrowers can close financing in 3–10 business days, depending on the loan type and appraisal timeline.
How fast can Xoan close a loan?
Because your financial accounts, documents, and project data live inside the same platform, many qualified borrowers can close financing in 3–10 business days, depending on the loan type and appraisal timeline.
How does Xoan support project budgeting and spending?
Xoan provides project-level budgets, line-item controls, and real-time spend tracking. You can assign cards to specific projects or budget categories to keep all expenses aligned with your plan.
How does Xoan support project budgeting and spending?
Xoan provides project-level budgets, line-item controls, and real-time spend tracking. You can assign cards to specific projects or budget categories to keep all expenses aligned with your plan.
How does Xoan support project budgeting and spending?
Xoan provides project-level budgets, line-item controls, and real-time spend tracking. You can assign cards to specific projects or budget categories to keep all expenses aligned with your plan.
Can I create separate accounts for different properties?
Yes. Xoan allows you to create dedicated property or project accounts so each asset has clear, separate cash flow, spending, and reporting.
Can I create separate accounts for different properties?
Yes. Xoan allows you to create dedicated property or project accounts so each asset has clear, separate cash flow, spending, and reporting.
Can I create separate accounts for different properties?
Yes. Xoan allows you to create dedicated property or project accounts so each asset has clear, separate cash flow, spending, and reporting.
Are my funds protected when stored in Xoan accounts?
Yes. Your deposits are held with FDIC-insured partner institutions, and Xoan is built with strong security, identity verification, and compliance standards tailored for real-estate investors.
Are my funds protected when stored in Xoan accounts?
Yes. Your deposits are held with FDIC-insured partner institutions, and Xoan is built with strong security, identity verification, and compliance standards tailored for real-estate investors.
Are my funds protected when stored in Xoan accounts?
Yes. Your deposits are held with FDIC-insured partner institutions, and Xoan is built with strong security, identity verification, and compliance standards tailored for real-estate investors.
Do I need a Xoan account to request financing?
Yes. The financing process runs through your Xoan platform account. Your account enables faster underwriting, easier documentation, better budget tracking, and quicker funding.
Do I need a Xoan account to request financing?
Yes. The financing process runs through your Xoan platform account. Your account enables faster underwriting, easier documentation, better budget tracking, and quicker funding.
Do I need a Xoan account to request financing?
Yes. The financing process runs through your Xoan platform account. Your account enables faster underwriting, easier documentation, better budget tracking, and quicker funding.
What tools does the Xoan dashboard provide?
The dashboard gives you full visibility into:
Your financial accounts
Loan applications and status updates
Draw requests
Project budgets and spending
Property-level performance
Contractor and team card activity
Everything is managed in one centralized interface.
What tools does the Xoan dashboard provide?
The dashboard gives you full visibility into:
Your financial accounts
Loan applications and status updates
Draw requests
Project budgets and spending
Property-level performance
Contractor and team card activity
Everything is managed in one centralized interface.
What tools does the Xoan dashboard provide?
The dashboard gives you full visibility into:
Your financial accounts
Loan applications and status updates
Draw requests
Project budgets and spending
Property-level performance
Contractor and team card activity
Everything is managed in one centralized interface.
Can I transfer funds between Xoan and external accounts?
Yes. You can transfer money in and out through ACH or wire to fund projects, consolidate capital, or move distributions.
Can I transfer funds between Xoan and external accounts?
Yes. You can transfer money in and out through ACH or wire to fund projects, consolidate capital, or move distributions.
Can I transfer funds between Xoan and external accounts?
Yes. You can transfer money in and out through ACH or wire to fund projects, consolidate capital, or move distributions.
What entity requirements are needed for financing?
Most loans require a business entity such as an LLC or corporation and a U.S.-based personal guarantor. Properties may be vested in an entity while the loan is structured according to product guidelines.
What entity requirements are needed for financing?
Most loans require a business entity such as an LLC or corporation and a U.S.-based personal guarantor. Properties may be vested in an entity while the loan is structured according to product guidelines.
What entity requirements are needed for financing?
Most loans require a business entity such as an LLC or corporation and a U.S.-based personal guarantor. Properties may be vested in an entity while the loan is structured according to product guidelines.
Where is Xoan financing available?
Xoan lends in most U.S. states. Some states may have limited availability due to licensing or program-specific regulations.
Where is Xoan financing available?
Xoan lends in most U.S. states. Some states may have limited availability due to licensing or program-specific regulations.
Where is Xoan financing available?
Xoan lends in most U.S. states. Some states may have limited availability due to licensing or program-specific regulations.
How do spend controls work for teams and contractors?
You can issue virtual or physical cards tied to specific projects, budgets, or spending rules. Limits and permissions can be set for team members, partners, or contractors to control how funds are used.
How do spend controls work for teams and contractors?
You can issue virtual or physical cards tied to specific projects, budgets, or spending rules. Limits and permissions can be set for team members, partners, or contractors to control how funds are used.
How do spend controls work for teams and contractors?
You can issue virtual or physical cards tied to specific projects, budgets, or spending rules. Limits and permissions can be set for team members, partners, or contractors to control how funds are used.
What makes Xoan different from using separate lenders, accounts, and budgeting tools?
Xoan eliminates fragmentation. Instead of juggling multiple lenders, accounts, spreadsheets, and cards, Xoan puts everything in one place—yield-earning accounts, investor-focused financing, and project spending—all designed to help real-estate investors move faster and manage their portfolio with complete clarity.
What makes Xoan different from using separate lenders, accounts, and budgeting tools?
Xoan eliminates fragmentation. Instead of juggling multiple lenders, accounts, spreadsheets, and cards, Xoan puts everything in one place—yield-earning accounts, investor-focused financing, and project spending—all designed to help real-estate investors move faster and manage their portfolio with complete clarity.
What makes Xoan different from using separate lenders, accounts, and budgeting tools?
Xoan eliminates fragmentation. Instead of juggling multiple lenders, accounts, spreadsheets, and cards, Xoan puts everything in one place—yield-earning accounts, investor-focused financing, and project spending—all designed to help real-estate investors move faster and manage their portfolio with complete clarity.
Do I need to maintain a minimum balance in my Xoan accounts?
No minimum balances are required. You control how much capital you keep on the platform, whether you're preparing for a purchase, managing a renovation, or holding reserves across several properties.
Do I need to maintain a minimum balance in my Xoan accounts?
No minimum balances are required. You control how much capital you keep on the platform, whether you're preparing for a purchase, managing a renovation, or holding reserves across several properties.
Do I need to maintain a minimum balance in my Xoan accounts?
No minimum balances are required. You control how much capital you keep on the platform, whether you're preparing for a purchase, managing a renovation, or holding reserves across several properties.
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
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.
Copyright © 2025 xoancapital.com. All rights reserved.