Bitcoin-Backed Loans in Delaware (2026)
5 of the 7 Bitcoin-backed loan lenders we track serve Delaware, with rates from 7.49% APR. Here is who lends in Delaware, who doesn't, and what each offers.
Delaware taxes Bitcoin sale gains as ordinary income at up to 6.60 percent, so a BTC-backed loan lets a holder raise cash without triggering that state tax bill. With no crypto-specific lending law, access simply tracks which national lenders are licensed to serve Delaware residents.
Availability verified August 1, 2026 · Verified daily · Delaware tax and regulatory review July 22, 2026
Sell or borrow in Delaware: the tax math
In Delaware, selling Bitcoin can add up to 6.60 percent in state tax on top of federal capital gains, while borrowing against the same BTC is not a sale and so triggers no capital gains tax by itself.
Delaware levies a graduated personal income tax that tops out at 6.60 percent on taxable income above 60,000 dollars, and it taxes capital gains as ordinary income with no special long-term rate or exclusion. That means a large long-term gain from selling Bitcoin faces both federal capital gains tax and up to 6.60 percent at the state level. Lawmakers proposed new 6.75 to 6.95 percent brackets for high earners in House Bill 13, but that measure has not been enacted, so 6.60 percent remains the current-law top rate.
Important: not tax or legal advice
The tax and regulatory information on this page is general information, not tax, legal, or investment advice, and the rates shown are illustrative top-of-schedule figures, not a calculation of what you personally would owe. borrowonbitcoin.com is published by Sypher Capital; we are a publisher and affiliate referral source, not a lender, broker, registered investment advisor, tax preparer, or law firm. The state and federal figures here are compiled from public sources, including IRS Revenue Procedures, state departments of revenue and taxation, state statutes, and the Tax Foundation, and are current only as of the tax year shown; the sources are linked at the foot of this page. Tax and licensing law change, sometimes mid-year, and how any of it applies to you depends on your income, filing status, residency, cost basis, holding period, local taxes, and other facts this page does not capture, so your actual result can differ materially. The tax treatment of Bitcoin-backed loans is itself unsettled and still developing. Borrowing against Bitcoin carries its own risks, including forced liquidation of your collateral. Lender availability and a state's rules can both change; confirm current eligibility with the lender, and confirm your own tax situation with a CPA or qualified tax professional, before acting on anything here.
Delaware tax and regulatory facts for the 2026 tax year, last reviewed July 22, 2026. Sources are listed at the foot of this page.
Lenders available in Delaware
| Lender | APR | Max LTV | Custody | Eligibility note | Review |
|---|---|---|---|---|---|
 SALT | APRfrom 7.49% | Max LTVup to 70% | CustodyLender-held | From $5,000 | Learn More |
 Ledn | APRfrom 9.25% | Max LTVup to 50% | CustodyQualified custodian | From $1,000 | Learn More |
 Figure | APRfrom 9.76% | Max LTVup to 75% | CustodyLender-held | Minimum on request | Learn More |
 APX Lending | APRfrom 9.99% | Max LTVup to 60% | CustodyQualified custodian | US loans paid in USDC · $25k min | Learn More |
 Unchained | APRfrom 14.18% | Max LTVup to 50% | CustodyCollaborative multisig | Commercial only · entities · $150k min | Learn More |
Estimate your rate in Delaware
Borrowing $100,000 against 3.18 BTC ($200,000) is 50% LTV. BTC reference ≈ $62,800.
4 lenders serve Delaware at this size and LTV, lowest effective APR first. Effective APR includes origination fees.
SALTLowest APRFigureAPX LendingLednNot available in Delaware
Arch (Standard), Strike do not currently lend in Delaware, based on each lender's stated coverage.
Why lender coverage looks the way it does in Delaware
Delaware has no crypto-specific consumer lending regime, so Bitcoin-backed loans are broadly available nationwide subject to each lender's own multistate licensing rather than any Delaware digital-asset statute. Money transmission is licensed and supervised by the Office of the State Bank Commissioner. In July 2026, Governor Meyer signed a package modernizing money transmission and virtual currency rules and creating licensing for payment stablecoin issuers, but those laws govern transmitters and stablecoin issuers and do not restrict collateralized BTC lending.
Bitcoin and crypto in Delaware
Delaware is the leading US state of incorporation, and in 2017 it amended its General Corporation Law to let companies maintain stock ledgers and corporate records on a blockchain, an early pro-blockchain step. In 2026 the state formed a Blockchain and Digital Innovation Task Force to study digital-asset policy and report to the General Assembly. That same year Delaware enacted a payment stablecoin licensing law, while legislators also advanced House Bill 441, which would ban cryptocurrency kiosks after Delawareans reported roughly 26.9 million dollars in crypto-related losses in 2025.
Lender availability above reflects each lender's stated state coverage, which we verify daily. This page is information, not legal or financial advice, and a lender's coverage or a state's rules can change, so confirm current eligibility with the lender when you apply.
Frequently asked
Does Delaware tax the gain if I sell Bitcoin instead of borrowing against it?
Yes. Delaware taxes capital gains as ordinary income at rates up to 6.60 percent, and that applies to a profit from selling Bitcoin on top of any federal capital gains tax. Pledging BTC as collateral for a loan is not a sale, so on its own it does not create a taxable capital gain. This is general information, not tax advice.
Are Bitcoin-backed loans available to Delaware residents?
Generally yes. Delaware has no crypto-specific lending ban, so availability depends on whether a given lender is licensed to operate in the state. Money transmitters are overseen by the Delaware Office of the State Bank Commissioner, and national Bitcoin-backed lenders typically serve Delaware subject to their own licensing.
Is Delaware changing its income tax rates for high earners?
It has been proposed but not enacted. House Bill 13 would add 6.75 to 6.95 percent brackets on income above 125,000 dollars, but as of 2026 it has not passed, so the top rate remains 6.60 percent. Any BTC sale gain is still taxed as ordinary income at the applicable bracket.
Can I get a Bitcoin-backed loan in Delaware?
Yes. 5 of the Bitcoin-backed lenders we track serve Delaware, with starting rates from 7.49% APR. They include SALT, Ledn, Figure, APX Lending, and others.
Which lenders offer Bitcoin-backed loans in Delaware?
SALT, Ledn, Figure, APX Lending, Unchained all serve Delaware according to their stated coverage, which we verify daily.
Are any Bitcoin loan lenders not available in Delaware?
Arch (Standard), Strike do not currently lend in Delaware.
Bitcoin loans in nearby states
Sources
- Delaware has a graduated income tax with a top rate of 6.60 percent and taxes capital gains as ordinary income. · taxfoundation.org
- House Bill 13 would add 6.75 to 6.95 percent brackets for higher earners but has not been enacted, leaving 6.60 percent as the current top rate. · legis.delaware.gov
- In 2026 Delaware enacted banking, money transmission, and payment stablecoin licensing laws (including SB 16 and SB 19) modernizing its digital-finance rules. · lowenstein.com
- Delaware advanced House Bill 441 to ban cryptocurrency kiosks after residents reported about 26.9 million dollars in crypto-related losses in 2025. · housedems.delaware.gov
Cite this data
Bitcoin-backed loan availability in Delaware: 5 of 7 tracked lenders serve the state, from 7.49% APR. borrow/on/bitcoin, verified August 1, 2026. https://borrowonbitcoin.com/bitcoin-loans/delaware
Free to cite with attribution and a link. Media inquiries welcome.
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