Business Bitcoin loans
Business Bitcoin Loans: Fund Your Company With BTC Collateral
Compare lenders that let your business borrow against Bitcoin — on effective APR, LTV, custody, and terms — without selling treasury BTC.
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Bitcoin-Backed Loans (10 lenders)
| Lender | APR range | |
|---|---|---|
CoinRabbit Verified 2026-07-13 | 11.95–16.80% | Visit CoinRabbit |
Ledn Verified 2026-07-13 | 9.25–11.49% | Visit Ledn |
Arch (Standard) Verified 2026-07-10 | 7.25–10.49% | Visit Arch (Standard) |
SALT Verified 2026-07-13 | 7.49–10.50% | Visit SALT |
APX Lending Verified 2026-07-05 | 9.99–11.49% | Visit APX Lending |
Arch (Deferred) Verified 2026-07-05 | 8.00–10.99% | Visit Arch (Deferred) |
Unchained Verified 2026-07-13 | 14.18% | Visit Unchained |
Figure Verified 2026-07-05 | 9.76–12.35% | Visit Figure |
Strike Verified 2026-07-05 | 7.75–11.25% | Visit Strike |
Nexo Verified 2026-07-05 | 18.90% | Visit Nexo |
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Latest data refresh: July 13, 2026
A business Bitcoin loan lets a company borrow working capital against Bitcoin it holds, pledged as collateral, instead of selling treasury BTC. The business keeps its Bitcoin position and any upside while accessing dollars for operations, inventory, payroll, or growth.
For a business, borrowing against Bitcoin can be faster and less dilutive than raising equity or selling assets, and it avoids realizing a capital gain on appreciated coins. Lenders differ on how much they lend per dollar of BTC (LTV), the rate, custody arrangements, and whether they support entity (not just individual) borrowers — the comparison below surfaces who fits.
Frequently asked questions
What is a business Bitcoin loan?
A business Bitcoin loan is capital a company borrows against Bitcoin on its balance sheet, pledged as collateral, rather than selling it. The business receives cash for operations or growth, keeps its Bitcoin and any future upside, and avoids the taxable event that selling appreciated BTC would trigger.
Can a company or LLC borrow against Bitcoin?
Yes. Several lenders support entity borrowers — LLCs, corporations, and trusts — not just individuals. Requirements vary: some ask for entity formation documents, beneficial-ownership details, and KYB (know-your-business) verification. Confirm entity eligibility and documentation with each lender, since not every consumer-focused lender offers business accounts.
Why borrow against Bitcoin instead of selling company BTC?
Selling treasury Bitcoin realizes a capital gain and gives up future upside. A loan keeps the position intact while unlocking cash, and it is typically faster and less dilutive than an equity raise. The trade-off is interest cost and margin-call risk if Bitcoin’s price falls sharply.
How much can a business borrow against its Bitcoin?
The amount depends on the lender’s maximum loan-to-value, usually 40% to 60% of the pledged Bitcoin’s value. At 50% LTV, $1,000,000 of BTC supports a $500,000 loan. Larger facilities may have negotiated terms; a lower LTV leaves more room before a margin call.
Related Guides
Deeper reading on business bitcoin loans and borrowing against Bitcoin.
- June 19, 2026Bitcoin-Backed Loans: What RIAs and Wealth Managers Should Consider (2026)A diligence framework for advisors fielding client questions about borrowing against bitcoin: liquidation risk, custody and rehypothecation, effective cost, tax treatment, and how it compares to an SBLOC.Read guide
- June 10, 2026Bitcoin Business Loans: Fund Your Company Without Selling Your BTC (2026)A vendor-neutral guide to bitcoin business loans: how borrowing against bitcoin works, how it compares to an SBA loan or bank line, and the risk that matters.Read guide
- July 13, 2026Bitcoin Loan Data: Borrowers Didn’t Blink When Bitcoin FellIn its first month live, Borrow on Bitcoin logged over $100 million in loan demand at a median loan-to-value ratio of 26.3%. Here’s what that Bitcoin loan data says about a market traditional investors keep underestimating.Read guide
- July 3, 2026Exclusive Bitcoin Loan Rates Through Borrow on BitcoinA few lenders now offer discounted Bitcoin-backed loan rates through Borrow on Bitcoin that you will not get going to them directly. Ledn takes up to 0.25% off, and Arch 0.50% off, for borrowers who start here.Read guide
- June 30, 2026Bitcoin Is Down — What Do I Do With My Loan?Bitcoin dropped and your loan-to-value is climbing. A calm, math-first playbook: find your liquidation price, then decide whether to pay in capital or refinance — with the exact numbers to use.Read guide
- June 24, 2026How to Refinance a Bitcoin Loan: The Complete 2026 GuideHow to refinance a Bitcoin-backed loan: refinance vs renew vs roll over vs upsize, the break-even math, what each lender charges, the tax angle, and the risks.Read guide
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