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.
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?
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.
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.
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
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.
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
Create project budgets, tie cards to specific line items, and set limits for your team—so every purchase is tracked and controlled.
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
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?
Designed for Every Investor
Xoan adapts to your strategy, no matter your approach.
Who is Xoan For?
Designed for Every Investor
Xoan adapts to your strategy, no matter your approach.
Who is Xoan For?
Designed for Every Investor
Xoan adapts to your strategy, no matter your approach.
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
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.
Loan Products
The right loan Type for every opportunity
Explore our financing solutions for every investment strategy.
Loan Products
The right loan Type for every opportunity
Explore our financing solutions for every investment strategy.
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.
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
Blog
Insights on the Housing Market
Blog
Insights on the Housing Market
Have Questions?
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!
Contact us
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
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.
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].
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
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.
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].
Address:
One Sansome Street Suite 1400
San Francisco, CA 94104
Contact:
hello@xoancapital.com
(855) 508-9626
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.
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].