borrowonbitcoin

Articles

Articles & Guides

Everything we've published on borrowing against Bitcoin: guides and analysis, head-to-head lender comparisons, calculators, and a plain-English glossary. Newest first.

Latest

Is Borrowing Against Bitcoin a Taxable Event?

Borrowing against Bitcoin generally is not a taxable event, while selling is. How loan collateral is treated for US taxes, the rehypothecation gray area, and what to confirm with a CPA.

Guides & analysis

Sell or Borrow Against Bitcoin? A 2026 Decision Framework

Tax timing, custody risk, cashflow drag, and reinvestment risk: the qualitative factors behind selling vs. borrowing, with an embedded calculator for the numbers.

Bitcoin Loans: No Credit Check Required

Why Bitcoin-backed loans skip the credit check, how collateral-based underwriting works, and which lenders fund fastest.

Bitcoin Mortgages 2026: Buy Real Estate with BTC

How Bitcoin-backed and qualify-with-crypto mortgages work, who offers them, and how the lender models differ.

Lender comparisons

Arch vs. LednCompare →Ledn vs. UnchainedCompare →Figure vs. ArchCompare →SALT vs. LednCompare →Milo vs. FigureCompare →Coinbase vs. LednCompare →Arch vs. UnchainedCompare →Strike vs. LednCompare →SALT vs. ArchCompare →Milo vs. LednCompare →

Calculators

Sell vs. Borrow Bitcoin Calculator

Compare the after-tax cash from selling against the cost of borrowing the same amount, side by side.

Bitcoin Loan Calculator: LTV & Margin Call

Model your loan-to-value, estimated monthly cost, and the Bitcoin price that would trigger a margin call.

Glossary

Plain-English definitions of the terms that matter when borrowing against Bitcoin. See the full glossary →

RehypothecationLoan-to-Value (LTV)Margin CallCollaborative CustodyQualified CustodianNon-QM MortgageAPR (Annual Percentage Rate)LiquidationCure PeriodOrigination FeeCollateral-to-Principal (CTP)Qualify-with-Crypto

Lender reviews

In-depth reviews of every Bitcoin-backed lender we track: rates, custody, and risks. Browse all lender reviews →

borrowonbitcoin.com is a comparison publisher, not a lender or financial advisor. Full disclosures.