Business Bitcoin loans
Business Bitcoin Loans: Fund Your Company With BTC Collateral
By Steven Han and Michael Song
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 (8 lenders) · Rates verified August 27, 2026
| Lender | APR range | |
|---|---|---|
SALT Changed June 15, 2026 | 7.49–10.50% | Learn more |
Figure Changed June 26, 2026 | 9.76–12.35% | Learn more |
Ledn Unchanged since May 18, 2026 | 9.25–11.49% | Learn more |
Arch Unchanged since May 18, 2026 | 7.25–10.49% | Learn more |
APX Lending Changed August 22, 2026 | 9.99–11.49% | Learn more |
Unchained Unchanged since June 16, 2026 | 14.18% | Learn more |
Strike Changed June 26, 2026 | 7.75–11.25% | Learn more |
Nexo Changed July 15, 2026 | 15.90% | Learn more |
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Latest data refresh: August 27, 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.
- August 13, 2026PowerCompute's 2% Bitcoin Loan from Arch Lending, Decoded: How the $18M Collar Facility WorksPowerCompute refinanced $18M against 307 BTC at 2% APR with Arch Lending. We pulled the 8-K and read the collar annex: the filed floor, the filed ceiling, the 15% bridge, and why both sides came out ahead.Read guide
- 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
- August 17, 2026Bitcoin Loan Rates August 2026: Where APRs Stand and How to Compare LendersCurrent Bitcoin-backed loan rates for August 2026: the average all-in APR at $100k and 50% LTV across US lenders, plus how borrowing more or at a lower LTV changes your rate.Read guide
- August 17, 2026Bitcoin Loan Rates July 2026: Where APRs Stood Across US Lenders (Covers July 2026)Bitcoin-backed loan rates for July 2026: the average all-in APR at $100k and 50% LTV across the six US lenders in our index, what changed during the month, and how the figures compare to June and August.Read guide
- August 17, 2026DeFi Bitcoin Loan Rates August 2026: Onchain Borrow APRs Across ProtocolsCurrent onchain Bitcoin borrow rates for August 2026: the TVL-weighted average variable USDC APR against wrapped Bitcoin across 10 DeFi protocols, how much they moved during the month, and how they compare to centralized lenders.Read guide
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