Battery Finance Review: 2026 Bitcoin Mortgage Guide
Battery Finance, Inc. is a specialty finance platform launched by Philadelphia investment manager Newmarket Capital, and a relying adviser of Newmarket Investment Management, LP. It fuses commercial real estate with bitcoin into a single collateral package, so the loan is not margin-called on price and the borrower keeps structured participation in bitcoin appreciation over the life of the loan.
What Battery Finance Offers
Battery Finance, Inc. is a specialty finance platform launched by Philadelphia investment manager Newmarket Capital, and a relying adviser of Newmarket Investment Management, LP. It fuses commercial real estate with bitcoin into a single collateral package, so the loan is not margin-called on price and the borrower keeps structured participation in bitcoin appreciation over the life of the loan.
Your Bitcoin collateral is held via qualified third-party custodian. Battery Finance does not rehypothecate your Bitcoin. Your collateral is kept segregated and untouched.
Rates are quoted by consultation and not publicly posted. The product is available in not publicly posted. The company has been operating since 2024.
Key Facts
- Bitcoin-enhanced lending against institutional-quality commercial real estate
- Borrowers can either contribute their own bitcoin or use loan proceeds to add it to the collateral package
- No mark-to-market liquidation — the structure is designed to avoid volatility-driven margin calls
- Structured participation in bitcoin appreciation over the life of the loan
- Inaugural deal: a $12.5M loan on the $16.5M Bank Street Court in Old City, Philadelphia, with roughly 20 BTC in the collateral package
What to Consider
- Commercial and multifamily only — this is not a consumer home loan
- Institutional deal sizes; not accessible to an individual homebuyer
- Terms are negotiated per deal rather than published
Key Risks
- ⚠ Long-dated commercial credit risk
- ⚠ Bitcoin held in the collateral package for the life of the loan
How Battery Finance Compares
Battery Finance is one of several options in the Bitcoin mortgage market. Borrowers often compare it alongside Rate, Newrez, and LendFriend. Each lender differs on APR range, custody model, rehypothecation posture, max LTV, and state coverage, factors that matter differently depending on your loan size and how much you care about custody transparency. The side-by-side comparison lets you sort and filter all Bitcoin mortgage lenders at once.
Battery Finance Articles & Comparisons
Everything in our catalog that covers Battery Finance, from guides and analysis to head-to-head comparisons with other Bitcoin lenders.
Frequently Asked Questions
Is Battery Finance safe to borrow against Bitcoin?
Battery Finance is operating since 2024. Your collateral is handled via qualified third-party custodian. Battery Finance does not rehypothecate your Bitcoin. As with any Bitcoin-backed loan, review the custody model, liquidation thresholds, and loan terms carefully before borrowing.
What rates does Battery Finance charge?
Battery Finance does not publicly post its rates; quotes are provided by consultation.
Does Battery Finance rehypothecate my Bitcoin?
No, Battery Finance does not rehypothecate your Bitcoin. Your collateral is held via qualified third-party custodian and is not re-lent to other parties.
What states does Battery Finance serve?
Battery Finance is available in Not publicly posted. State availability not publicly posted Always confirm current availability directly with Battery Finance before applying, as state coverage can change.
What types of mortgages does Battery Finance offer?
Battery Finance offers Bitcoin mortgage. Available terms: not publicly posted. Commercial only. Included for completeness in the bitcoin-mortgage landscape, not as a consumer option. Custodian is not publicly specified; custody_model is recorded as qualified_custodian on the basis that the bitcoin sits in a lender-side collateral package for the life of the loan.
What fees does Battery Finance charge?
Detailed fee information is not publicly posted. Always request a full fee disclosure from Battery Finance before signing any loan agreement.
How does Battery Finance compare to other Bitcoin mortgage lenders?
To see Battery Finance side-by-side with every other major Bitcoin mortgage lender, rates, custody model, LTV, and more, use the free comparison tool at borrowonbitcoin.com. You can sort by APR, LTV, funding speed, or custody model and filter to your state.
Key Terms
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Compare all Bitcoin mortgage lenders →We are not a lender, broker, or registered investment advisor. We may receive compensation from some lenders featured; this does not influence our default ordering or the factual data we publish. Rates and terms are subject to change; verify directly with each lender before applying. Full disclosures.