Scale Your Success
Xion Capital connects entrepreneurs with a powerful network of funding solutions — from startup capital to multi-million dollar financing. No perfect credit required. No upfront fees.
Working Capital & Term Loans
$10K–$5M | 6 months–10 year terms | Funding in as little as 1–3 days
Business Lines of Credit
Revolving LOCs up to $150K | Only pay interest on what you use | Flexible draw anytime
SBA Loans
Government-backed financing | Lower rates | Terms up to 25 years | Funding in 1–45 days
Equipment & Specialty Financing
Finance equipment $10K–$5M | AR/Invoice factoring | PO financing | Commercial real estate $250K–$10M
Select/Preferred Funding
CoreRate preferred tier for qualifying businesses | Lowest repayment rates | Fast-track approvals $10K–$2M
Alternative Lending Growth
of all small business loan originations now come from online & alternative lenders — up from single digits a decade ago (2026 Federal Reserve SBCS)
Funding Gap
of small business applicants did not receive the full amount requested in 2026 — making alternative lenders more critical than ever (Fed SBCS, 2026)
Not Sure Where to Start?
Instant Business Funding
- $400–$10,000 available today
- Immediate offer — easy online process
- Perfect for startups and gig workers
- No lengthy paperwork
Business Line of Credit
- Revolving credit up to $150,000
- Only pay interest on what you draw
- Reuse as you repay
- Ideal for ongoing cash flow needs
Ready to Scale Up?
- Once established, unlock $10K–$2M+
- Working capital, SBA, equipment & more
- Full suite available as your business grows
- We grow with you
Traditional banks say no. Xion Capital finds a way.
Build the Credit Your Business Deserves
Strong business credit unlocks better funding terms, higher credit lines, and vendor relationships — without touching your personal credit. Start building today with payments you're already making.
Business Credit Builder
- Reports existing business payments to D&B, Experian & Equifax
- Utilities, telecom, vendors, and service providers all count
- Add up to 24 months of payment history instantly
- Separate personal and business finances
- Results visible in as little as 30 days
- Starting at $19.95/month
Personal Credit Builder
- Reports rent, phone & utility payments to TransUnion
- See credit progress in as little as 14 days
- No new debt required — use bills you already pay
- Optional LiftLocker: monitoring, homebuying readiness & credit simulations
- Starting at $9.99/month
Run Smarter. Grow Faster.
From HR and payroll to IT, CRM, and payment processing — Xion Capital connects you with the operational tools that help your business run efficiently and scale with confidence.
HR & Workforce (BuoyPEO)
- Payroll processing & tax compliance
- Group health, dental, vision, disability & life insurance
- Workers' comp & 401k retirement plans
- For W-2 employees AND 1099 contractors
- Hiring, onboarding & HR support
Managed IT Services (BuoyIT)
- US-based helpdesk support (chat, phone, email)
- Network monitoring, security & patch management
- Endpoint detection & cybersecurity protection
- Microsoft 365 integration & cloud migrations
- Cyber insurance consultation & compliance
CRM & Business Tools (BuoyCRM)
- All-in-one customer relationship management
- 60,000+ customers | 622M+ leads managed
- Automate processes & capture valuable data
- Replaces multiple disconnected tools
CHAMP Employee Benefits Plan
- Section 125 tax-efficient benefits for employers
- $0 copay primary & urgent care, unlimited telehealth
- Increases employee take-home pay without raising gross wages
- Reduces employer FICA/payroll tax costs
- Harbor Shield audit defense included
- Ideal for businesses with 50+ W-2 employees
Payment Processing (Buoy Payments)
- In-person, online, mobile & virtual terminal
- No long-term contracts | Transparent pricing
- "We beat your rates or we pay you $500"
- Submit last 3 months of statements for a free rate review
- Powered by VizyPay | ~30 sec avg hold time
No-Fee Payment Processing
- Eliminate up to 95% of processing fees
- Cash discount program — customers cover the fee
- Standard processing also available
- Faster access to your funds
- Everything you need in one kit
Have questions about any of these solutions? Book a call or use the Contact Us on each provider's site for personalized support.
Money You've Already Earned — Get It Back.
Billions in business tax credits and refunds go unclaimed every year. From payroll tax recovery to tariff refunds and audit protection — Xion Capital helps you recover what's rightfully yours.
FICA Tip Credit Recovery
- For restaurants, bars, hotels, salons & tip-based businesses
- Recover the 6.2% Social Security tax paid on employee tips
- Technology-first filing platform — end to end
- IRS audit defense included on every claim
- Optional refund advance available through Rubix
- No upfront cost to check eligibility
ERC Audit Defense (Harbor Shield)
- Fully insured ERC audit defense
- Legal costs covered up to $50,000 per occurrence
- Connected to expert tax attorneys
- Proactive audit prep, monitoring & alerts
- ERC audits occur at 2–3% vs. IRS average of 0.2–0.3%
- Fixed-cost protection — no surprise legal bills
2026 Tariff Refund Recovery
- For U.S. importers who paid IEEPA tariffs (Chapter 99) in 2025–2026
- Federal courts have opened refund pathways — act now before windows close
- Anchor Accounting identifies eligible entries & manages the full recovery process
- Handles fragmented records: Form 7501, ACE data, broker files
- End-to-end process management — no guesswork, no missed deadlines
Don't leave money on the table. Let's find what your business is owed.
Have questions? Book a call or use the Contact Us on each provider's site to get started with a specialist.
Unlock Your Potential