How to get started

The right plan depends on your business. Let's figure it out together.

TRANSFORM YOUR BUSINESS

How XEN moves you forward.

Origination

Sign up for free in under a minute to start accepting prospect applications, growing your pipeline, and closing more deals.
Prospect application portal

Provide prospects with a dedicated portal for completing their application, uploading required documents, and checking their progress, replacing manual tracking and back-and-forth emails.

Sales funnel management

Get real-time pipeline visibility that automatically tracks prospect status from initial application to closing, so no deal falls through the cracks.

Automated email reminders

Send reminders for missing information to prospects automatically, reducing your administrative work and accelerating application completion time.

Workflows and checklists

Standardize your deal process with custom workflows and checklists that match how your team works, so nothing gets skipped and every deal stays compliant.

Collaboration tools

Add notes to applications and assign follow-up tasks with owners and due dates for seamless handoffs between sales and underwriting.

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Underwriting

Mitigate risk and reduce costs with one-click due diligence and in-platform contract management. Everything in Origination, plus:
AI-powered analysis

Validate documents, pull key data, and run financial analysis, all automated by AI so you can evaluate cash flow and borrower performance fast.

Best-in-class integrations

Connect seamlessly with leading partners for diligence data, real-time banking, fraud detection, and e-signature, reducing costs and bringing your patchwork of disconnected tools into one system.

Automated risk flagging

Automatically flag key risks—including UCCs, liens, bankruptcies, and document fraud—to prioritize due diligence review and mitigate risk.

In-app quotes and contracts

Send legally binding quotes and contracts directly within the platform, complete with integrated e-signature.

Advanced configurations

Customize requested documents, application checklists, contract templates, and more to match your workflow.

Operations

Service your clients across the full lifecycle of invoice purchasing, fundings, and collections.
Client and debtor management

Set each client’s terms, fee structures, and verification requirements. Track all debtor relationships, including credit limits, concentration, and payment history, and send Notices of Assignment.

Invoice purchasing

Upload invoices one at a time or in bulk, supporting documents included. Move each invoice through the pre-funding workflow to approve, verify, and set terms before you purchase and fund.

Payment collection

Post payments against outstanding invoices and apply cash received from debtors, including the ability to backdate, so you can stop working on weekends.

Reporting and analytics

Access comprehensive and configurable portfolio and client-level reports from exported files or directly in the platform.

Client portal

Give clients a dedicated portal to upload invoices and supporting documents, view cash application trails, and pull the reports they need, so you’re not stuck as the middleman.

FAQ

Transparent answers to your questions

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Support

How long does it take to set up XEN?

Sign up in less than a minute! Once you’re ready to customize your XEN dashboard and deal flows, launching takes days, not months. You’ll have a dedicated team with you the whole way.

How does XEN support my team after we sign up?

We view ourselves as a partner in your growth. XEN provides 24/7 Customer Success and Support to ensure your team is never left hanging, whether you're navigating a complex underwriting task or fine-tuning your workflow.

Will I talk to a real person when I need support?

A real person, every time. When you reach out, you’ll get someone on the XEN team who knows the platform inside and out, not a chatbot or ticket that disappears into a queue.

Can XEN be customized to fit our specific business model?

Absolutely. The platform offers flexible configuration to match your unique internal processes instead of forcing you into a "one-size-fits-all" solution.

Product

What integrations does XEN support?

XEN integrates with best-in-class providers to bring all those open browser tabs into a single workspace. Some of our most popular integrations include TransUnion, Ocrolus, and Plaid, and we’re always adding more!

What core areas of lending does XEN cover?

XEN is an end-to-end platform for factors that powers three main pillars: Origination, Underwriting, and Operations. If you’re a lender, you can take advantage of XEN’s Origination and Underwriting modules to fully transform your front-end processes.

Does XEN include automation features to speed up manual tasks?

Yes. The product features AI-powered document data extraction, automated reminders that keep prospects on track, and built-in checklists to ensure your team never misses a critical diligence step.

Can XEN work alongside the tools I already use?

Definitely. XEN is modular and integrates with best-in-class partners like Salesforce, Plaid, Ocrolus, and QuickBooks to streamline your existing data flow.

How does XEN help improve my relationship with my borrowers?

XEN’s white-labeled client portal gives your borrowers a professional, self-service experience that reflects your brand. That means faster onboarding for them, less back-and-forth for you, and a smoother relationship on both sides.

Switching to XEN

How long does it take to get started with XEN?

You can sign up in under a minute. The platform is designed for self-service setup, so there’s no IT team or lengthy implementation required. You can move off stressful legacy systems almost immediately.

How does migration work if I'm moving from another platform?

When you move to XEN, our team works with you to transfer your data and set up your workflows, so nothing falls through the cracks. We’ll guide you through each step, so you always know what’s happening and what’s next.

Will my team need training?

Not much. XEN is designed to be intuitive, and most teams pick it up quickly. We run onboarding and optional training calls to help you get started. For anything else you need, our team is there to walk you through it – and you’ll always reach a real person, not a chatbot.

Will switching to XEN disrupt our client onboarding?

Just the opposite: onboarding gets faster. One customer turned their 24-hour onboarding process into 20 minutes with XEN, improving overall efficiency by 35%.

Can I transition my team slowly, or do I have to move everything at once?

XEN is modular. You can choose to optimize just your front-end processes first, or launch the full factoring operational suite depending on your business objectives.

Trust and Security

Where does diligence data on XEN come from?

Background check results, credit scores, and other diligence data are provided by our best-in-class integration partners. We intentionally select the most trusted and widely used provider in each category, so you’re getting the most accurate and up-to-date information available. Examples of our partners include Plaid, Ocrolus, and TransUnion.

How is my client data protected?

We take the security of your data seriously. Everything on XEN is encrypted and backed up, so your information stays protected. We’ve also completed a SOC 2 Type I audit, an independent third-party review of our security practices against a rigorous industry standard.

How does XEN help mitigate risk during the underwriting process?

The platform uses automated flags to prioritize diligence reviews and integrates with trusted data providers like TransUnion and Creditsafe to ensure you have the most accurate information.

Who are some of XEN’s trusted integration partners?

XEN partners with industry leaders in security and data, including Alloy, Plaid, and Dropbox Sign, to meet high industry standards for data handling.

How does XEN create transparency across my team?

Through in-app collaboration tools and centralized reporting, XEN gives every team member a "single source of truth." Everyone works from the same information, which reduces errors and builds internal trust.

Pricing

Can I try XEN before committing to a paid plan?

Yes. Sign up in under a minute and use our Origination tools to accept prospect applications and grow your pipeline, all for free.

What features require a paid upgrade?

Origination tools are free. Upgrade to Underwriting to access third-party integrations for in-platform due diligence and contract management. You can also add Operations for the full suite of tools required to service your factoring client portfolio.

How is pricing determined for Underwriting and Operations?

Underwriting gives you access to our risk and fraud integrations that power diligence, while Operations gives you the tools you need to service your full factoring client portfolio directly within the XEN platform. Pricing scales with your application and factoring volume, so you only pay for what fits your business – and we won’t lock you into a long-term contract.

Do you charge for feature requests?

Never. Feature requests are how our roadmap gets made. When you flag something you need, we welcome that feedback and use it to keep making the platform better.

Are there limits on how many staff members can use the platform?

No. XEN allows unlimited users, so your entire team can access the platform without worrying about per-seat license fees.

DON'T TAKE OUR WORD FOR IT

Hear from industry leaders who use XEN every day.

Immediate impact

XEN's impact on our deal flow, win rates, and client experience was immediate. Speed is everything in transportation factoring, and XEN has transformed our ability to move fast.

Bryan Alsobrooks

President, Phoenix Capital Group

Business ROI

Since launching last year, XEN’s front-end has already transformed our ability to win more deals and onboard new clients more quickly, paying for itself in only a few months.

Phil Cohen

President, PRN Funding

More than a vendor

As our business continues to scale, we knew choosing the right partner to power our digital transformation was critical, and XEN is that partner: their platform has exceeded our goals of driving internal efficiency, and the experience our prospects get on XEN sets up client relationships for success.

Vincent Rees

CEO, Capital Business Funding

Long-term partnership

We have partnered with XEN for years to make financing easier for our borrowers.

Robert Meyers

CEO, Republic Business Credit

Measurable results

XEN has helped improve our onboarding efficiency by at least 35%.

John Cummings

CEO, ACS Factors

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