Elevate Your Business:
Banking Designed for Bold Enterprises
ALPHA LAUNCH (UTC-4):
Join the Waitlist to Secure Your Founder-Level* Account at XL Financial.
*as a Founder-Level account client (for either personal or business banking and/or credit), you will receive life-time one-on-one live support and an xl Financial Founder metal debit and/or credit card.
Business Checking and Savings
Business Credit Card
Overdraft
Business Line of Credit
Insurance
Built-in xl Financial Wealth Manager
Built-in BIZ Hub
Optimize your business with complete banking, lending, and money management services, all seamlessly accessed through a dynamic single dashboard for streamlined financial control.
Transparent business checking and savings:
Fee-free solutions.
No monthly fees.
No fees for mobile check deposits.
No overdraft fees.
Free domestic and international wire transfers.
Free ACH transfers.
*on eligible xl Financial Business Banking checking and savings accounts.
Streamline your business finances: Business credit cards & unlimited virtual cards with spend management.
- Higher credit limits*
- Unlimited 1.5% daily cash back.
- Physical metal cards and unlimited virtual cards for instant spend.
- Built-in spend management - admin + multi-user.
- Automated receipt reconciliation.
- No user fees.
- No annual fees.
- No additional card or card replacement fees.
- Does not affect your personal credit score.
- 7-day BIZ Hub Plus trial subscription included.
- 20% off BIZ Hub Pro / Premier subscriptions.
- Unlimited 1.5% daily cash back.
- Physical metal cards and unlimited virtual cards for instant spend.
- Built-in spend management - 1 user.
- Automated receipt reconciliation.
- No annual fees.
- No additional card or card replacement fees.
- Does not affect your personal credit score.
- 7-day BIZ Hub Plus trial subscription included.
- 10% off BIZ Hub Pro / Premier subscriptions.
Business account overdraft protection:
No fees guaranteed.
Rest easy knowing your business account is shielded from unexpected expenses with our fee-free overdraft protection, designed to keep your operations running smoothly.
Turbocharge your treasury:
Earn high interest on idle cash...
5.21% APY*
(Industry average 0.46% APY, 02/20/24)
Experience peace of mind knowing that your money is not only secure but also actively generating substantial returns.
*with eligibility on xl Financial Business savings accounts with xl Invest - Edge.
Learn more
Boost your potential: Customized business line of credit options.
Apply for tailored business lines of credit designed to empower growth and provide flexible financial solutions for your business needs.
Customized business lines of credit tailored to your specific financial requirements.
Flexible repayment options to suit your cash flow and business cycles.
Competitive interest rates ensuring cost-effectiveness in managing your finances.
Dedicated support from financial experts to guide you through the application process and beyond.
Access to additional financial tools and resources to optimize your business's financial health.
Quick approval and funding processes to provide timely access to funds when needed.
Ongoing account monitoring and reviews to ensure your financial solutions remain aligned with your evolving business needs.
Safeguarding your business:
Shielding against uncertainty with insurance coverage.
Explore our comprehensive range of business insurance offerings designed to safeguard your company from various risks and uncertainties. Our tailored solutions include:
- Property Insurance
- Liability Insurance
- Business Interruption Insurance
- Commercial Auto Insurance
- Workers' Compensation Insurance
- Professional Liability Insurance
- Cyber Insurance
- Directors and Officers (D&O) Insurance
- Employment Practices Liability Insurance (EPLI)
- Product Liability Insurance
With our expertise and tailored solutions, you can focus on growing your business with confidence, knowing that you're protected against unforeseen challenges.
Learn more
Customized financial command center:
Take control of your XL Financial and external accounts with a personalized dashboard that puts you in charge.
Eliminate the hassle of switching between multiple bank apps.
Efficiently handle all your banking and financial tasks via a unified dashboard customized to match your preferred level of simplicity or comprehensiveness.
Control spend with advanced rules and built in policies for budgets, limits and approvals.
Automated expense report generation.
Automated review and reconciliation built-in.
Real-time spend reporting.
Close books quickly and accurately through ERP integrations (Quickbooks, Sage, Xero, NetSuite).
Tailor your workflows for expense management, accounts payable and accounting automation.
Admin / user permission controls to manage visibility and functionality throughout your company.
Enhance your financial workflows. Increase efficiency by utilizing real-time data from your bank account to streamline operations.
xl BIZ Hub:
Growth catalyst banking.
Powering businesses with integrated customer management (Cx/CRM) solutions.
Learn more
Automated marketing and sales platform powered by AI.
Lead generation AI-autopilot redefining efficiency in customer acquisition.
Enhanced outreach capabilities for businesses.
Customer pool contact info retrieval.
Marketing content creation.
Email, text and social media communications hub.
AI-driven automated messaging.
Customer quotation, invoicing and payment processing integrated into your xl Financial Business banking.
Cost-effective, fully automated, and user-friendly framework.
Bank with confidence.
Experience peace of mind with our banking platform, fortified by cutting-edge technology and backed by FDIC insurance, ensuring the utmost security for your business accounts.
Fraud monitoring
Our integrated fraud detection tools identify and promptly halt any suspicious activities.
FDIC insurance
Deposits, held in your name and insured by the FDIC, are securely maintained in federally regulated accounts through our banking partners.
Account security
Our secure, industry-standard protocols protect the confidentiality and integrity of your data.
Get Started on Your Path to Financial Success:
Secure Your Founder-Level* Account at XL Financial.
*as a Founder-Level account client (for either personal or business banking and/or credit), you will receive life-time one-on-one live support and an xl Financial Founder metal debit and/or credit card.
ALPHA LAUNCH (UTC-4):
Alata
Alice
Open Sans
Noto Sans
Bebas Neue
Great Vibes
Rock Salt
Exo
Belgrano
Overlock
Cinzel
Indie Flower
Staatliches
Roboto Slab
Lato
Noto Serif
Open Sans
Montserrat
Ubuntu
Rubik
Delius
Amiri
Montserrat
