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crypto loans

BTCLOAN - The Best Crypto backed Lending advisory

BTCLOAN is a leading crypto-backed lending platform, helping users unlock liquidity without selling their Bitcoin or top digital assets. Since 2024, we've processed over $500 million in loans, serving miners, traders, and long-term holders with speed, security, and transparency. Backed by a network of institutional lenders and an experienced team of crypto and finance professionals, we offer competitive rates, flexible terms, and fast approvals —making it easier to stay invested while accessing the cash you need.

Borrow Against Bitcoin,
Don’t Sell It

Selling your Bitcoin means missing out on future gains — borrowing lets you stay invested.

Borrow with Bitcoin as collateral

Sell Bitcoin

Your Bitcoin stays yours — HODL while you loan

mining machine
Bitcoin mining machine

Borrow funds, retain your digital assets

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Keep your Bitcoin and unlock its future potential

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Negligible fees

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Stay diversified and still benefit from Bitcoin

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Bitcoin mining machine

Shield yourself from selling low during downturns

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Start Your Crypto Loan Journey with Us

Asset-backed crypto financing with support for Bitcoin, mining rigs, and projected hashrate.

loan against Bitcoin

Bitcoin Loan

BTC-backed loans with transparent terms and quick approvals

bitcoin loan

Crypto backed loans

Easy loans against top 20 crypto coins and quick approvals

btc loan

Equity based financing

Unlock funds by leveraging your equity holdings

Total Loans serviced

$500M

BTC Loans serviced

$400M

Investments

Invest in businesses, public and private investments, buy additional crypto, or virtually anything else you desire. Expand your investment horizon with ease.

Large Purchases

Get cash for life's big purchases using your crypto. Our customers have used crypto-backed loans for everything from medical bills and car purchases to weddings and vacations.

Day to Day Finances

We recognize that many individuals are asset rich, cash poor. With a crypto-backed loan, you can unlock liquidity from your crypto without selling it, thus retaining potential gains and avoiding a tax event.

Debt Consolidation

Pay off higher interest debt from credit cards or other loans.

Your Preferred Crypto Lenders

Industry-Leading Lenders. Institutional-Grade Terms.

View all Lenders
Lender 1

Collateral

crypto loans mining machine

  • loan-to-value (LTV)

    62.50%

  • Interest

    7.25%

  • Loan Term (min)

    6 months

  • Repayment

    Quarterly

  • Loan Origination fee

    No

  • Margin call management

    Yes

  • Early repayment

    No

Lender 2

Collateral

Bitcoin mining machine best crypto lending platform

  • loan-to-value (LTV)

    65% - 70%

  • Interest

    2.25% - 3.00%

  • Loan Term (min)

    12 -36 Months

  • Repayment

    Quarterly

  • Loan Origination fee

    3%

  • Margin call management

    Yes

  • Early repayment

    No

Lender 3

Collateral

loan against crypto loan against Bitcoin

  • loan-to-value (LTV)

    40%

  • Interest

    10.66%

  • Loan Term (min)

    1 Month

  • Repayment

    Monthly

  • Loan Origination fee

    No

  • Margin call management

    Yes

  • Early repayment

    No

Lender 4

Collateral

  • bitcoin loan
  • btc loan
  • crypto loans
  • mining machine

  • 20 tokens

  • loan-to-value (LTV)

    50% - 70%

  • Interest

    10.5% - 14.5%

  • Loan Term (min)

    1 months

  • Repayment

    Monthly

  • Loan Origination fee

    2%

  • Margin call management

    Yes

  • Early repayment

    No

Mirror

Nebeus matches your BTC deposit, using the initial and new bitcoin as collateral to double your position.

Interest only

Pay monthly only the interest, and settle the amount borrowed at the end of the term.

Bullet

Pay once at the end of the term to cover the amount you borrowed plus interest.

Lender 1

Collateral

Bitcoin mining machine best crypto lending platform
Lender 2

Collateral

loan against crypto loan against Bitcoin
Lender 3

Collateral

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Lender 4

Collateral

  • crypto loans
  • mining machine
  • Bitcoin mining machine
  • best crypto lending platform

  • 20 tokens

loan-to-value (LTV)

62.50%

loan-to-value (LTV)

65% - 70%

loan-to-value (LTV)

60%

loan-to-value (LTV)

65% - 70%

Interest

7.25%

Interest

2.25% - 3.00%

Interest

10%

Interest

3% - 4%

Loan Term (min)

6 months

Loan Term (min)

12 -36 Months

Loan Term (min)

1 Month

Loan Term (min)

18 -36 Month

Repayment

Quarterly

Repayment

Quarterly

Repayment

Monthly

Repayment

Quarterly

Loan Origination fee

No

Loan Origination fee

3%

Loan Origination fee

2%

Loan Origination fee

3%

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Early repayment

Yes

Early repayment

No

Early repayment

No

Early repayment

No

Collateral

loan against crypto loan against Bitcoin

Collateral

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Collateral

crypto loans mining machine

Collateral

  • Bitcoin mining machine
  • best crypto lending platform
  • loan against crypto
  • loan against Bitcoin

  • 20 tokens

loan-to-value (LTV)

62.50%

loan-to-value (LTV)

65% - 70%

loan-to-value (LTV)

40%

loan-to-value (LTV)

50% - 70%

Interest

7.25%

Interest

2.25% - 3.00%

Interest

10.66%

Interest

10.5% - 14.5%

Loan Term (min)

6 months

Loan Term (min)

12 -36 Months

Loan Term (min)

1 Month

Loan Term (min)

1 Month

Repayment

Quarterly

Repayment

Quarterly

Repayment

Monthly

Repayment

Monthly

Loan Origination fee

No

Loan Origination fee

3%

Loan Origination fee

No

Loan Origination fee

2%

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Early repayment

No

Early repayment

No

Early repayment

No

Early repayment

No

Collateral

bitcoin loan btc loan

Collateral

crypto loans mining machine

Collateral

Bitcoin mining machine best crypto lending platform

Collateral

  • loan against crypto
  • loan against Bitcoin
  • bitcoin loan
  • btc loan

  • 20 tokens

loan-to-value (LTV)

62.50%

loan-to-value (LTV)

65% - 70%

loan-to-value (LTV)

40%

loan-to-value (LTV)

50% - 70%

Interest

7.25%

Interest

2.25% - 3.00%

Interest

10.66%

Interest

10.5% - 14.5%

Loan Term (min)

6 months

Loan Term (min)

12 -36 Months

Loan Term (min)

1 Month

Loan Term (min)

1 Month

Repayment

Quarterly

Repayment

Quarterly

Repayment

Monthly

Repayment

Monthly

Loan Origination fee

No

Loan Origination fee

3%

Loan Origination fee

No

Loan Origination fee

2%

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Early repayment

No

Early repayment

No

Early repayment

No

Early repayment

No

Collateral

crypto loans mining machine

Collateral

Bitcoin mining machine best crypto lending platform

Collateral

loan against crypto loan against Bitcoin

Collateral

  • bitcoin loan
  • btc loan
  • crypto loans
  • mining machine

  • 20 tokens

loan-to-value (LTV)

62.50%

loan-to-value (LTV)

65% - 70%

loan-to-value (LTV)

40%

loan-to-value (LTV)

50% - 70%

Interest

7.25%

Interest

2.25% - 3.00%

Interest

10.66%

Interest

10.5% - 14.5%

Loan Term (min)

6 months

Loan Term (min)

12 -36 Months

Loan Term (min)

1 Month

Loan Term (min)

1 Month

Repayment

Quarterly

Repayment

Quarterly

Repayment

Monthly

Repayment

Monthly

Loan Origination fee

No

Loan Origination fee

3%

Loan Origination fee

No

Loan Origination fee

2%

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Early repayment

No

Early repayment

No

Early repayment

No

Early repayment

No

Collateral

Bitcoin mining machine best crypto lending platform

Collateral

loan against crypto loan against Bitcoin

Collateral

bitcoin loan btc loan

Collateral

  • crypto loans
  • mining machine
  • Bitcoin mining machine
  • best crypto lending platform

  • 20 tokens

loan-to-value (LTV)

62.50%

loan-to-value (LTV)

65% - 70%

loan-to-value (LTV)

40%

loan-to-value (LTV)

50% - 70%

Interest

7.25%

Interest

2.25% - 3.00%

Interest

10.66%

Interest

10.5% - 14.5%

Loan Term (min)

6 months

Loan Term (min)

12 -36 Months

Loan Term (min)

1 Month

Loan Term (min)

1 Month

Repayment

Quarterly

Repayment

Quarterly

Repayment

Monthly

Repayment

Monthly

Loan Origination fee

No

Loan Origination fee

3%

Loan Origination fee

No

Loan Origination fee

2%

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Early repayment

No

Early repayment

No

Early repayment

No

Early repayment

No

Bitcoin loan calculator

Bitcoin-backed loans are calculated in U.S. dollars to keep things clear and consistent.
However, once your loan is approved, you can choose to receive the funds in your preferred currency — like EUR, GBP, AED, and more — based on your location and needs.

BTC

loan against crypto
Including fees

The information shown on the calculator is hypothetical and for illustrative purposes only and does not represent a commitment to lend. Loans availability may vary based on jurisdiction.

FAQ's

A Bitcoin-backed loan allows you to use your Bitcoin as collateral to borrow USD or USDT, without selling your Bitcoin. You retain ownership of your Bitcoin while accessing the cash you need.

To apply, Fill the below form and our team will reach out to you for next steps.

The loan amount depends on the current value of your Bitcoin and the loan-to-value (LTV) ratio offered. Typically, Btcloan.com provides up to 65% - 70% of the value of your Bitcoin.

No. Your Bitcoin is held securely as collateral for the duration of the loan. Once the loan is repaid in full, your BTC is returned to you.

If the value of your collateral drops significantly, you will receive a margin call. This means you'll need to either add more collateral or repay part of the loan to maintain the required LTV ratio.

We are one of the fastest lenders in the industry. We take around 2-3 weeks from onboarding process to loan disbursement.

Yes, minimum and maximum loan amounts vary based on the market and borrower profile. Please contact our support team.

Get In Touch

Collateral

crypto loans mining machine

Collateral

Bitcoin mining machine best crypto lending platform

Collateral

loan against crypto loan against Bitcoin

Collateral

  • bitcoin loan
  • icon
  • icon
  • icon

  • 20 tokens

loan-to-value (LTV)

62.50%

loan-to-value (LTV)

65% - 70%

loan-to-value (LTV)

40%

loan-to-value (LTV)

50% - 70%

Interest

7.25%

Interest

2.25% - 3.00%

Interest

10.66%

Interest

10.5% - 14.5%

Loan Term (min)

6 months

Loan Term (min)

12 -36 Months

Loan Term (min)

1 Month

Loan Term (min)

1 Month

Repayment

Quarterly

Repayment

Quarterly

Repayment

Monthly

Repayment

Monthly

Loan Origination fee

No

Loan Origination fee

3%

Loan Origination fee

No

Loan Origination fee

2%

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Margin call management

Yes

Early repayment

No

Early repayment

No

Early repayment

No

Early repayment

No

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