Store cash,
Borrow fast,
Control spend,
Earn more.
Store cash,
Borrow fast,
Control spend,
Earn more.
Xoan is the financial platform built for real estate investors. Earn high yields on idle cash, access fast low-cost financing, and keep every project on budget with built-in accounts, budgets, and cards.
Xoan is the financial platform built for real estate investors. Earn high yields on idle cash, access fast low-cost financing, and keep every project on budget with built-in accounts, budgets, and cards.
Get Started
Xoan Technology, Inc. is a financial technology company, not a bank. Banking services provided by Fifth Third Bank, Member FDIC.
As seen in the most trusted publications by real estate investors.
As seen in the most trusted publications by real estate investors.
What is Xoan?
What is Xoan?
A New Way to Bank, Borrow, and Build.
A New Way to Bank, Borrow, and Build.
Traditional banks weren’t designed for real estate investors. Xoan unifies accounts, lending, and spend control into one platform — so your money works harder at every stage of every project.
Traditional banks weren’t designed for real estate investors. Xoan unifies accounts, lending, and spend control into one platform — so your money works harder at every stage of every project.
Store Cash
Accounts Built for
Real Estate Investors
Traditional business bank accounts weren’t designed for the way investors actually work. Xoan accounts give you the flexibility and protection you need to manage multiple properties, projects, and entities—all in one place.
Property Accounts
Keep finances separated for each property or project.
Seamless Money Movement
Move money instantly with ACH, wire, or intra-account.
External Connections
Link external accounts to fund projects or consolidate cash.
Greater Protection
Enjoy up to $8M in FDIC insurance coverage, far beyond traditional banks.
Borrow Fast
Borrow Fast. Pay Less.
Get the capital you need with instant pricing, lower rates, and closings in as little as 5 days—with a clear view of loan status, progress and next steps, right inside the platform.
Lower Rates
Save thousands with bank-level pricing.
Faster Funding
Close in as little as 5 days.
Full Transparency
Track every step of your loan in real time
Borrow Where You Bank
Only pay 0.25 points when you maintain a $300K+ annual account balance.
Control Spend
Control Spend
With Confidence
Create project budgets, tie cards to specific line items, and set limits for your team—so every purchase is tracked and controlled.
Explore spend controls
Project budgets
Create detailed budgets, break them into line items, and see exactly where money is allocated.
Cards With Purpose
Issue cards tied to specific budgets or line items, so every expense is automatically tracked to the right place.
Team Controls
Set limits for contractors and team members to ensure spending stays within scope.
Earn More
Earn More on
Every Dollar
Your capital never sits idle—it works for you. Investors get rewarded both when they spend and when they store cash.
High-Yield Accounts
Put idle cash into accounts earning 6–9% APY, far above traditional banks.
2% Cash Back
Earn 2% back on property and project expenses every time you use your Xoan card.
Store Cash
Store Cash
Accounts Built for Real Estate Investors
Accounts Built for Real Estate Investors
Traditional business bank accounts weren’t designed for the way investors actually work. Xoan accounts give you the flexibility and protection you need to manage multiple properties, projects, and entities—all in one place.
Traditional business bank accounts weren’t designed for the way investors actually work. Xoan accounts give you the flexibility and protection you need to manage multiple properties, projects, and entities—all in one place.
Property Accounts
Property Accounts
Keep finances separated for each property or project.
Seamless Money Movement
Seamless Money Movement
Move money instantly with ACH, wire, or intra-account.
External Connections
External Connections
Link external accounts to fund projects or consolidate cash.
Greater Protection
Greater Protection
Enjoy up to $8M in FDIC insurance coverage, far beyond traditional banks.
Borrow Fast
Borrow Fast
Borrow Fast. Pay Less.
Borrow Fast. Pay Less.
Get the capital you need with instant pricing, lower rates, and closings in as little as 5 days—with a clear view of loan status, progress and next steps, right inside the platform.
Get the capital you need with instant pricing, lower rates, and closings in as little as 5 days—with a clear view of loan status, progress and next steps, right inside the platform.
Lower Rates
Lower Rates
Save thousands with bank-level pricing.
Faster Funding
Faster Funding
Close in as little as 5 days.
Full Transparency
Full Transparency
Track every step of your loan in real time
Borrow Where You Bank
Borrow Where You Bank
Only pay 0.25 points when you maintain a $300K+ annual account balance.
Control Spend
Control Spend
Control Spend
With Confidence
Control Spend
With Confidence
Create project budgets, tie cards to specific line items, and set limits for your team—so every purchase is tracked and controlled.
Create project budgets, tie cards to specific line items, and set limits for your team—so every purchase is tracked and controlled.
Explore spend controls
Explore smart cards
Project budgets
Project budgets
Create detailed budgets, break them into line items, and see exactly where money is allocated.
Cards With Purpose
Cards With Purpose
Issue cards tied to specific budgets or line items, so every expense is automatically tracked to the right place.
Team Controls
Team Controls
Set limits for contractors and team members to ensure spending stays within scope.
Earn More
Earn More
Earn More on Every Dollar
Earn More on Every Dollar
Your capital never sits idle—it works for you. Investors get rewarded both when they spend and when they store cash.
Your capital never sits idle—it works for you. Investors get rewarded both when they spend and when they store cash.
High-Yield Accounts
High-Yield Accounts
Put idle cash into accounts earning 6–9% APY, far above traditional banks.
2% Cash Back
2% Cash Back
Earn 2% back on property and project expenses every time you use your Xoan card.
Have a special request?
Contact Sales
Who is Xoan For?
Who is Xoan For?
Designed for Every Investor
Designed for Every Investor
Xoan adapts to your strategy, no matter your approach.
House Flippers
Move faster from purchase to resale with financing built for speed. Keep every project’s spend organized, track rehab budgets in real time, and get capital when you need it — so you can focus on turning deals, not chasing wires.
Learn more
House Flippers
Move faster from purchase to resale with financing built for speed. Keep every project’s spend organized, track rehab budgets in real time, and get capital when you need it — so you can focus on turning deals, not chasing wires.
Learn more
Builders & Developers
Simplify capital flows for new builds. From land acquisition to final draw, Xoan centralizes your project accounts, disbursements, and contractor payments. Build confidently knowing your financing and spend controls scale with your timeline.
Learn more
Rental Owners (BRRRR/DSCR)
Build long-term wealth with banking and financing tailored to rentals. Manage DSCR loans, refinance with ease, and separate each property’s cash flow into its own account — all while earning yield on reserves.
Learn more
Short-Term Rentals
Financing designed for Airbnbs and vacation rentals, underwritten on projected rental income, not just long-term leases. Flexible terms let you acquire, refinance, or scale STR properties with confidence.
Learn more
House Flippers
Move faster from purchase to resale with financing built for speed. Keep every project’s spend organized, track rehab budgets in real time, and get capital when you need it — so you can focus on turning deals, not chasing wires.
Learn more
Builders & Developers
Simplify capital flows for new builds. From land acquisition to final draw, Xoan centralizes your project accounts, disbursements, and contractor payments. Build confidently knowing your financing and spend controls scale with your timeline.
Learn more
Rental Owners (BRRRR/DSCR)
Build long-term wealth with banking and financing tailored to rentals. Manage DSCR loans, refinance with ease, and separate each property’s cash flow into its own account — all while earning yield on reserves.
Learn more
Short-Term Rentals
Financing designed for Airbnbs and vacation rentals, underwritten on projected rental income, not just long-term leases. Flexible terms let you acquire, refinance, or scale STR properties with confidence.
Learn more
Smart Cards
Smart Cards
Spend with Control. Earn as You Spend.
Spend with Control. Earn as You Spend.
Earn 2% cash back on project or property spend—while keeping total control over how money moves on every project.
Get Started
High Yield Accounts
High Yield Accounts
Earn More on Every Idle Dollar.
Earn More on Every Idle Dollar.
Choose the strategy that fits your cash flow needs. Whether you want liquidity between projects or higher returns on reserves, Xoan gives you both.
Learn more
Debt Yield Offering I
Best for real estate businesses that need flexibility to move capital between projects while still earning steady returns.
Target up to 5% annualized returns, keeping cash productive while maintaining liquidity.
6% APY
9% APY
+$1,250
January
Debt Yield Offering I
Best for real estate businesses that need flexibility to move capital between projects while still earning steady returns.
Target up to 5% annualized returns, keeping cash productive while maintaining liquidity.
6% APY
9% APY
+$1,250
January
Debt Yield Offering I
Best for real estate businesses that need flexibility to move capital between projects while still earning steady returns.
Target up to 5% annualized returns, keeping cash productive while maintaining liquidity.
6% APY
9% APY
+$1,250
January
Loan Products
The right loan Type for every opportunity
Explore our financing solutions for every investment strategy.
Fix-and-Flip Loan
Up to 90% LTC and 100% of rehab costs covered so you can take on bigger projects with less cash out of pocket. Close fast, pull draws quickly, and only pay interest during the project—maximizing leverage and returns.
Learn more
Rental (DSCR) Loan
Underwriting that looks at property cash flow, not tax returns. Whether you’re building a rental portfolio or refinancing existing properties, choose from flexible products that keep monthly payments predictable and scalable.
Learn more
Ground Up Construction
Finance both land and vertical construction with structures designed for investors. Market-driven underwriting, flexible draw schedules, and even furnishing budgets built in—everything you need to take a project from dirt to doors.
Learn more
Short-Term Rentals
Financing designed for Airbnbs and vacation rentals, underwritten on projected rental income, not just long-term leases. Flexible terms let you acquire, refinance, or scale STR properties with confidence.
Learn more
Loan Products
The right loan Type for every opportunity
Explore our financing solutions for every investment strategy.
Fix-and-Flip Loan
Up to 90% LTC and 100% of rehab costs covered so you can take on bigger projects with less cash out of pocket. Close fast, pull draws quickly, and only pay interest during the project—maximizing leverage and returns.
Learn more
Rental (DSCR) Loan
Underwriting that looks at property cash flow, not tax returns. Whether you’re building a rental portfolio or refinancing existing properties, choose from flexible products that keep monthly payments predictable and scalable.
Learn more
Ground Up Construction
Finance both land and vertical construction with structures designed for investors. Market-driven underwriting, flexible draw schedules, and even furnishing budgets built in—everything you need to take a project from dirt to doors.
Learn more
Short-Term Rentals
Financing designed for Airbnbs and vacation rentals, underwritten on projected rental income, not just long-term leases. Flexible terms let you acquire, refinance, or scale STR properties with confidence.
Learn more
Loan Products
The right loan Type for every opportunity
Explore our financing solutions for every investment strategy.
Fix-and-Flip Loan
Up to 90% LTC and 100% of rehab costs covered so you can take on bigger projects with less cash out of pocket. Close fast, pull draws quickly, and only pay interest during the project—maximizing leverage and returns.
Learn more
Rental (DSCR) Loan
Underwriting that looks at property cash flow, not tax returns. Whether you’re building a rental portfolio or refinancing existing properties, choose from flexible products that keep monthly payments predictable and scalable.
Learn more
Ground Up Construction
Finance both land and vertical construction with structures designed for investors. Market-driven underwriting, flexible draw schedules, and even furnishing budgets built in—everything you need to take a project from dirt to doors.
Learn more
Short-Term Rentals
Financing designed for Airbnbs and vacation rentals, underwritten on projected rental income, not just long-term leases. Flexible terms let you acquire, refinance, or scale STR properties with confidence.
Learn more
Seamless Integrations
Seamless Integrations
Xoan connects with the tools you already use—QuickBooks, property management software, and CRMs—so your finances stay in sync.
Safe. Secure. Protected.
Safe. Secure. Protected.
Your money and data are protected with advanced security, while deposits are held with FDIC-member partner banks for extended coverage and peace of mind.
FDIC insurance up to $8M
FDIC insurance up to $8M
Bank-grade protection
Bank-grade protection
Gain Financial Control
in Minutes.
Gain Financial
Control in Minutes.
Gain Financial
Control in Minutes.
Have a special request?
Contact Sales
Blog
Insights on the Housing Market
Banking, Private Money, and the Real Estate Investor’s Balancing Act
When you're building a real estate portfolio, capital is king—not just the amount, but how you access it, manage it, and mitigate risk with it. Behind every property acquisition, rehab, refinance, or flip lies a banking strategy (and sometimes private money) that can make or break the deal.
From Private Loans to Institutional Asset: Toorak’s Trailblazing Move
In February 2024, Toorak Capital Partners made history by closing the first-ever rated residential transition loan (RTL) securitization, a $240 million offering backed by 370 short-term “fix-and-flip” loans covering roughly 527 homes.
Blog
Insights on the Housing Market
Banking, Private Money, and the Real Estate Investor’s Balancing Act
When you're building a real estate portfolio, capital is king—not just the amount, but how you access it, manage it, and mitigate risk with it. Behind every property acquisition, rehab, refinance, or flip lies a banking strategy (and sometimes private money) that can make or break the deal.
From Private Loans to Institutional Asset: Toorak’s Trailblazing Move
In February 2024, Toorak Capital Partners made history by closing the first-ever rated residential transition loan (RTL) securitization, a $240 million offering backed by 370 short-term “fix-and-flip” loans covering roughly 527 homes.
Blog
Insights on the Housing Market
Banking, Private Money, and the Real Estate Investor’s Balancing Act
When you're building a real estate portfolio, capital is king—not just the amount, but how you access it, manage it, and mitigate risk with it. Behind every property acquisition, rehab, refinance, or flip lies a banking strategy (and sometimes private money) that can make or break the deal.
From Private Loans to Institutional Asset: Toorak’s Trailblazing Move
In February 2024, Toorak Capital Partners made history by closing the first-ever rated residential transition loan (RTL) securitization, a $240 million offering backed by 370 short-term “fix-and-flip” loans covering roughly 527 homes.
Have Questions?
FAQ
What makes Xoan different from a traditional bank or hard money lender?
Xoan isn’t a bank and it isn’t a hard money lender—we’re a unified financial platform built for real estate investors. We combine the strengths of both: safe, FDIC-insured accounts to store and manage capital, instant access to financing at competitive rates, and powerful spend controls that keep every project organized.
How safe are my funds with Xoan?
What kinds of returns can I earn through Xoan?
How fast can I access financing through Xoan?
Still have questions?
Have questions or need assistance? Our team is here to help!
Contact us
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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.
Restrictions may apply. Xoan Inc. reserves the right to amend rates and guidelines.
Privacy Policy
Terms of Service
Cookies Settings
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].
Be the First to Know When We Launch
Enter your email
Get Notified
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
Company
About Xoan
Blog
Careers
Partners
Contact
Investors
Real Estate Banking
Debt Yield Account
Loan Products
High-Yield Accounts
Support
Resources
Help Center
Investor Guides
Blog
Legal Disclosures
Copyright © 2025 xoancapital.com. All rights reserved.
This is not a commitment to lend. All offers of credit are subject to approval.
Restrictions may apply. Xoan Inc. reserves the right to amend rates and guidelines.
Privacy Policy
Terms of Service
Cookies Settings
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].
Be the First to Know When We Launch
Enter your email
Get Notified
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
Company
About Xoan
Blog
Careers
Partners
Contact
Investors
Real Estate Banking
Debt Yield Account
Loan Products
High-Yield Accounts
Support
Resources
Help Center
Investor Guides
Blog
Legal Disclosures
Copyright © 2025 xoancapital.com. All rights reserved.
This is not a commitment to lend. All offers of credit are subject to approval.
Restrictions may apply. Xoan Inc. reserves the right to amend rates and guidelines.
Privacy Policy
Terms of Service
Cookies Settings
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].