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Access Liquidity
Hold Your Crypto

Apply now
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About BTCLoan

BTCLoan is a leading crypto-backed lending platform, helping users unlock liquidity without selling their Bitcoin or top digital assets. Since 2018, we've processed over $200 million in loans, serving miners, traders, and long-term holders with speed, security, and transparency. Backed by a network of institutional lenders and an experienced team of crypto and finance professionals, we offer competitive rates, flexible terms, and fast approvals — making it easier to stay invested while accessing the cash you need

Borrowing with Bitcoin
vs. Selling Bitcoin

Borrow with Bitcoin as collateral

Sell Bitcoin

Your Bitcoin stays yours — HODL while you loan

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Borrow funds, retain your digital assets

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Keep your Bitcoin and unlock its future potential

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Negligible fees

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Stay diversified and still benefit from Bitcoin

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Shield yourself from selling low during downturns

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Our Services

Flexible crypto lending solutions backed by mining
assets, hashrate, and Bitcoin

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Mining Machine Loan

Leverage your mining machines as collateral to access fast & secure loans

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Hashrate Loan

Access instant loans by pledging future mining output as collateral.

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Bitcoin Loan

BTC-backed loans with transparent terms and quick approvals

Total Loans serviced

$500M

BTC Loans serviced

$200M

Investments

Invest in businesses, public and private investments, buy additional crypto, or virtually anything else you desire. Expand your investment horizon with ease.

Large Purchases

Get cash for life's big purchases using your crypto. Our customers have used crypto-backed loans for everything from medical bills and car purchases to weddings and vacations.

Day to Day Finances

We recognize that many individuals are asset rich, cash poor. With a crypto-backed loan, you can unlock liquidity from your crypto without selling it, thus retaining potential gains and avoiding a tax event.

Debt Consolidation

Pay off higher interest debt from credit cards or other loans.

Your Preferred Crypto Lenders

Industry-Leading Lenders. Institutional-Grade Terms.

View all Lenders
Lender 1

Collateral

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  • loan-to-value (LTV)

    62.50%

  • Interest

    7.25%

  • Loan Term (min)

    6 months

  • Repayment

    Quarterly

  • Loan Origination fee

    No

  • Margin call management

    Yes

  • Early repayment

    No

Lender 2

Collateral

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  • loan-to-value (LTV)

    65% - 70%

  • Interest

    2.25% - 3.00%

  • Loan Term (min)

    12 -36 Months

  • Repayment

    Quarterly

  • Loan Origination fee

    3%

  • Margin call management

    Yes

  • Early repayment

    No

Lender 3

Collateral

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  • loan-to-value (LTV)

    40%

  • Interest

    10.66%

  • Loan Term (min)

    1 Month

  • Repayment

    Monthly

  • Loan Origination fee

    No

  • Margin call management

    Yes

  • Early repayment

    No

Lender 4

Collateral

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  • 20 tokens

  • loan-to-value (LTV)

    50% - 70%

  • Interest

    10.5% - 14.5%

  • Loan Term (min)

    1 months

  • Repayment

    Monthly

  • Loan Origination fee

    2%

  • Margin call management

    Yes

  • Early repayment

    No

Mirror

Nebeus matches your BTC deposit, using the initial and new bitcoin as collateral to double your position.

Interest only

Pay monthly only the interest, and settle the amount borrowed at the end of the term.

Bullet

Pay once at the end of the term to cover the amount you borrowed plus interest.

Lender 1

Collateral

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Lender 2

Collateral

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Lender 3

Collateral

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Lender 4

Collateral

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  • 20 tokens

loan-to-value (LTV)

62.50%

loan-to-value (LTV)

65% - 70%

loan-to-value (LTV)

60%

loan-to-value (LTV)

65% - 70%

Interest

7.25%

Interest

2.25% - 3.00%

Interest

10%

Interest

3% - 4%

Loan Term (min)

6 months

Loan Term (min)

12 -36 Months

Loan Term (min)

1 Month

Loan Term (min)

18 -36 Month

Repayment

Quarterly

Repayment

Quarterly

Repayment

Monthly

Repayment

Quarterly

Loan Origination fee

No

Loan Origination fee

3%

Loan Origination fee

2%

Loan Origination fee

3%

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Early repayment

Yes

Early repayment

No

Early repayment

No

Early repayment

No

Collateral

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Collateral

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Collateral

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Collateral

  • icon
  • icon
  • icon
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  • 20 tokens

loan-to-value (LTV)

62.50%

loan-to-value (LTV)

65% - 70%

loan-to-value (LTV)

40%

loan-to-value (LTV)

50% - 70%

Interest

7.25%

Interest

2.25% - 3.00%

Interest

10.66%

Interest

10.5% - 14.5%

Loan Term (min)

6 months

Loan Term (min)

12 -36 Months

Loan Term (min)

1 Month

Loan Term (min)

1 Month

Repayment

Quarterly

Repayment

Quarterly

Repayment

Monthly

Repayment

Monthly

Loan Origination fee

No

Loan Origination fee

3%

Loan Origination fee

No

Loan Origination fee

2%

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Early repayment

No

Early repayment

No

Early repayment

No

Early repayment

No

Collateral

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Collateral

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Collateral

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Collateral

  • icon
  • icon
  • icon
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  • 20 tokens

loan-to-value (LTV)

62.50%

loan-to-value (LTV)

65% - 70%

loan-to-value (LTV)

40%

loan-to-value (LTV)

50% - 70%

Interest

7.25%

Interest

2.25% - 3.00%

Interest

10.66%

Interest

10.5% - 14.5%

Loan Term (min)

6 months

Loan Term (min)

12 -36 Months

Loan Term (min)

1 Month

Loan Term (min)

1 Month

Repayment

Quarterly

Repayment

Quarterly

Repayment

Monthly

Repayment

Monthly

Loan Origination fee

No

Loan Origination fee

3%

Loan Origination fee

No

Loan Origination fee

2%

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Early repayment

No

Early repayment

No

Early repayment

No

Early repayment

No

Collateral

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Collateral

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Collateral

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Collateral

  • icon
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  • 20 tokens

loan-to-value (LTV)

62.50%

loan-to-value (LTV)

65% - 70%

loan-to-value (LTV)

40%

loan-to-value (LTV)

50% - 70%

Interest

7.25%

Interest

2.25% - 3.00%

Interest

10.66%

Interest

10.5% - 14.5%

Loan Term (min)

6 months

Loan Term (min)

12 -36 Months

Loan Term (min)

1 Month

Loan Term (min)

1 Month

Repayment

Quarterly

Repayment

Quarterly

Repayment

Monthly

Repayment

Monthly

Loan Origination fee

No

Loan Origination fee

3%

Loan Origination fee

No

Loan Origination fee

2%

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Early repayment

No

Early repayment

No

Early repayment

No

Early repayment

No

Collateral

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Collateral

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Collateral

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Collateral

  • icon
  • icon
  • icon
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  • 20 tokens

loan-to-value (LTV)

62.50%

loan-to-value (LTV)

65% - 70%

loan-to-value (LTV)

40%

loan-to-value (LTV)

50% - 70%

Interest

7.25%

Interest

2.25% - 3.00%

Interest

10.66%

Interest

10.5% - 14.5%

Loan Term (min)

6 months

Loan Term (min)

12 -36 Months

Loan Term (min)

1 Month

Loan Term (min)

1 Month

Repayment

Quarterly

Repayment

Quarterly

Repayment

Monthly

Repayment

Monthly

Loan Origination fee

No

Loan Origination fee

3%

Loan Origination fee

No

Loan Origination fee

2%

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Early repayment

No

Early repayment

No

Early repayment

No

Early repayment

No

Bitcoin loan calculator

Bitcoin-backed loans are denominated in US dollars. However, they
can be funded in your preferred currency.

BTC

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USD

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Including fees

The information shown on the calculator is hypothetical and for illustrative purposes only and does not represent a commitment to lend. Loans availability may vary based on jurisdiction.

Leverage Your Bitcoin
Without Letting It Go.

$126.66M

Total volume borrowed

493.13 BTC

Zero BTC TVL

$18.61M

Total DLLR minted

Crypto
Backed Loan

Unlock the power of your crypto through secure and hassle-free loans. Preserve your crypto for growth, avoid taxes, and get cash when you need it. Enjoy top-notch customer support and peace of mind knowing Arch does not rehypothecate your collateral.

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Support for

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    Bitcoin

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    Ethereum

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    Solana

From

  • 14%

    Interest Rate*

    *+1.5% origination fee

No Rehypothecation

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    Your collateral is stored securely in qualified custody

No credit check required

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    Qualify instantly with same day funding

Crypto
Backed Loan

Unlock the power of your crypto through secure and hassle-free loans. Preserve your crypto for growth, avoid taxes, and get cash when you need it. Enjoy top-notch customer support and peace of mind knowing Arch does not rehypothecate your collateral.

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Trust

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    Our business model does not involve the use of your assets. They are stored in secure custody and returned at the end of your loan.

Security

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    Your collateral is stored securely with Anchorage, a leading custodian and federally chartered bank, in cold custody with top security practices.

Collateral

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Collateral

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Collateral

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Collateral

  • icon
  • icon
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  • 20 tokens

loan-to-value (LTV)

62.50%

loan-to-value (LTV)

65% - 70%

loan-to-value (LTV)

40%

loan-to-value (LTV)

50% - 70%

Interest

7.25%

Interest

2.25% - 3.00%

Interest

10.66%

Interest

10.5% - 14.5%

Loan Term (min)

6 months

Loan Term (min)

12 -36 Months

Loan Term (min)

1 Month

Loan Term (min)

1 Month

Repayment

Quarterly

Repayment

Quarterly

Repayment

Monthly

Repayment

Monthly

Loan Origination fee

No

Loan Origination fee

3%

Loan Origination fee

No

Loan Origination fee

2%

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Early repayment

No

Early repayment

No

Early repayment

No

Early repayment

No