Crypto Backed Loans

Need capital but don't want to miss out on future crypto gains? We'll help you unlock the value of your digital assets without having to sell a single coin. Loans from 100K.

Wealth Unlocked: Access Your Crypto Without Selling

You’ve built a significant crypto portfolio, but what if you need access to funds without selling your digital assets?

We arrange loans from £100,000 secured against your cryptocurrency holdings, letting you unlock capital while keeping your position in the market.

Whether you’re looking to buy property, grow your business, or seize a time-sensitive opportunity, we’ll help you make your crypto assets work harder.

Your Bitcoin, Ethereum or other major cryptocurrency serves as security for the loan – much like using a property for a mortgage. You’ll keep ownership of your digital assets, and once you’ve repaid the loan, they’re fully yours again.

Loans from £100,000
Terms from 3 months
No upper limit
Interest roll up (no monthly payments)
No maximum age
Poor credit history
Fast decisions

Expert finance advice
tailored to you

Quality service

Fast, friendly and professional service.

Lender Choice

Over 250 Banks, Hedge Funds, Family Offices & more.

Experience

Over 15 years of specialist finance broking.

Bespoke Lending

Finance tailored specifically to meet your needs.

What is a Crypto Backed Loan?

A crypto-backed loan works much like any secured loan – but instead of using property or other traditional assets as security, you’ll use your cryptocurrency holdings.

You keep ownership of your crypto while borrowing against its value in fiat currency; GBP or USD.

This innovative lending solution works particularly well for Bitcoin holders and crypto investors who want to access funds while keeping their digital investments intact.

Cryptocurrency Loan Types

Bitcoin-Secured Lending

Bitcoin holders face a common challenge: significant wealth tied up in digital assets, but limited ways to use that value without selling.

Our Bitcoin-secured loans solve this problem. By using your Bitcoin as security, you unlock substantial funding while maintaining your position in the market. Should Bitcoin’s value rise during your loan term, that growth remains yours.

Crypto Bridge Finance

Sometimes opportunities won’t wait for lengthy traditional loan processes.

Our crypto bridge finance delivers rapid funding when timing matters most. Whether you’re closing a property deal or need short-term capital for a business venture, we’ll structure a solution that fits your timeline. Many clients receive funds in under two weeks.

Investment and Business Finance

Your crypto portfolio can fuel your next business move or investment opportunity.

We regularly help clients use their digital asset holdings to fund business expansions, property investments, and portfolio diversification. The key advantage? You maintain your crypto position while putting its value to work in other areas.

Key Features

We’ve designed our crypto-backed loan service to give you maximum flexibility while keeping your cryptocurrency investments working for you.

Here are the main features that set these loans apart:

Keep Your Market Position

You’ll retain ownership of your crypto assets throughout the loan term, meaning you’ll benefit from any price increases. If Bitcoin or Ethereum rise in value while you’ve got your loan, those gains are all yours.

Quick Access to Funds

Unlike traditional loans that can take weeks to arrange, we can often complete crypto-backed loans within days. Once your crypto is secured with the lender, funds are transferred to your account swiftly.

Flexible Use of Funds

There are no restrictions on how you use your loan. Whether you’re buying property, investing in a business opportunity, or need working capital, you’re free to use the money as you see fit.

International Borrowing

You can borrow while holding crypto in international exchanges or wallets. We work with lenders who understand cross-border transactions and can structure loans that work across different jurisdictions.

Competitive Interest Rates

Because your loan is secured against your crypto assets, lenders can often offer better rates than unsecured lending. Your exact rate will depend on your crypto portfolio’s value and the loan term you choose.

Let’s Talk!

Book your free consultation today and let’s discuss how we can help you achieve your property goals.

How is the Interest Calculated?

Interest on crypto loans is calculated monthly based on your outstanding loan balance.

Your rate will be determined by several factors, including your loan amount, the type of currency, the value of your crypto portfolio, and current market conditions.

We understand that regular monthly interest payments might not suit everyone.

That’s why we can arrange loans where the interest is ‘rolled up’ – added to your loan balance and paid at the end of the term.

This can help with cash flow if you’re using the borrowed funds for investment or development.

Why Take Out a Crypto Loan?

If you’ve built wealth through cryptocurrency, you might wonder why you’d want to borrow against it instead of selling. Here’s why many of our clients choose this route:

Property Opportunities

Property deals often need quick action, especially in competitive markets.

A securities-backed loan lets you move fast on opportunities without selling your digital assets. You’ll get the property you want while keeping your crypto investment intact.

Tax Efficiency

Selling large amounts of assets can trigger significant tax liabilities.

By borrowing against your crypto instead of selling it, you can access funds without creating an immediate tax event. This gives you more control over your tax planning.

Business Growth

Whether you’re starting a new venture or expanding an existing business, you might need capital quickly.

A cryptocurrency loan gives you access to funds without diluting your ownership or going through lengthy traditional business loan applications.

Market Timing

If you believe your crypto assets will increase in value, selling now means missing out on potential gains.

A short-term loan lets you access cash while maintaining your position in the market. You’ll still benefit if your crypto holdings rise in value during the loan term.

Portfolio Diversification

Using a crypto loan to invest in different assets can help spread your risk.

You might want to invest in property, stocks, or other opportunities while keeping your crypto portfolio intact.

Remember, every financial situation is unique. We’re here to help you understand if a crypto-backed loan makes sense for your specific circumstances.

Crypto Loan Advantages

Crypto-backed loans offer several unique benefits compared to traditional borrowing options.

Speed of Arrangement

While conventional loans can take weeks to process, we can often arrange crypto-backed loans within days. The security is clear and easily valued, which streamlines the whole process.

No Credit Checks Needed

Your loan is secured against your crypto currencies, so lenders don’t usually need credit checks. This makes the application process smoother and faster than traditional loans.

Keep Your Investment Strategy

You’ll maintain market exposure – if your crypto assets increase in value during the loan term, you’ll benefit from that growth. There’s no need to exit promising positions just to access capital.

Flexible Terms

You can choose how to handle your interest payments, either monthly or rolled up until the end of the loan. Plus, many of our lenders allow early repayment if your circumstances change.

Simple Security Process

Your crypto assets are held securely by regulated custodians throughout the loan term. It’s straightforward and transparent, with clear processes for both securing and releasing your assets.

Global Accessibility

Whether you’re a UK resident or based overseas, you can access these loans as long as you have sufficient crypto assets. We work with international clients and understand cross-border requirements.

Common Uses

Our clients use crypto-backed loans in various ways to achieve their financial goals. Here are some of the most common applications:

Property Investment

Property investors use these loans to expand their portfolios without selling their crypto holdings. The quick completion times make them perfect for auction purchases or when sellers need a fast decision.

Tax Bill Payment

Many investors face substantial tax bills from successful crypto trading or other investments. Rather than selling assets at an inopportune time, you can use a crypto loan to pay your tax bill. This gives you breathing space to plan your asset sales more strategically or wait for better market conditions.

Business Expansion

Business owners access working capital to fund growth, buy inventory, or acquire new equipment. The rolled-up interest option means you can focus on growing your business before making any loan payments.

Luxury Purchases

From high-end properties to yachts, many clients use securities-backed loans to fund significant purchases. It’s a way to enjoy your crypto wealth without reducing your market position.

Portfolio Diversification

Investors often use these loans to spread their risk across different asset classes. You might want to invest in commercial property, private equity, or other opportunities while maintaining your crypto portfolio.

Bridge Finance

When you need short-term funding to bridge a gap, perhaps between property sales or while waiting for other investments to mature, a crypto loan can provide quick access to capital.

International Investment

Our international clients use crypto loans to invest across borders. Whether you’re buying property in the UK or investing in overseas opportunities, we can structure loans that work across different jurisdictions.

Let’s Discuss Crypto Loans

Call us today to discover your options.

Our market knowledge and network of trusted lenders can deliver bespoke terms in 24 hours.

How Much Can You Borrow?

You can borrow up to 50% of your cryptocurrency portfolio’s value.

Our loans start from £100,000, which means you’ll need at least £200,000 in Bitcoin, Ethereum, or other major cryptocurrencies as security.

The type and current market value of your crypto assets is the main factor.

If you hold £1 million in Bitcoin, you could potentially borrow up to £500,000. We’ll look at real-time valuations when assessing your application.

How Crypto Backed Loans Work

Getting a crypto-backed loan is more straightforward than you might think.

Here’s how the process works:

Initial Assessment

We’ll start with a conversation about your borrowing needs and crypto portfolio. We’ll look at the current value of your holdings and discuss how much you’d like to borrow.

Security Arrangement

Once we’ve agreed on terms, your crypto assets will be transferred to a secure custody account. This is managed by regulated custodians who specialise in digital asset security. Your crypto stays here throughout the loan term as collateral.

Loan Release

After the security is in place, your loan funds are released to your bank account. This usually happens within a few days of the security being arranged.

During the Loan

Your crypto remains safely held while you use your loan funds. If you’ve chosen monthly interest payments, you’ll make these as agreed. If you’ve opted for rolled-up interest, there’s nothing to pay until the end of the term.

Portfolio Monitoring

The value of your crypto will be monitored throughout the loan term. If there’s a significant drop in value, you might need to add more crypto as security or reduce your loan amount to maintain the agreed loan-to-value ratio.

Loan Completion

When you repay your loan, your crypto assets are released back to you. You’ll get back exactly the same amount of cryptocurrency, regardless of any value changes during the loan term.

How Fast Can You Access Funds?

Speed is one of the key benefits of cryptocurrency loans.

Clients can receive their funds within 3-7 days of first contact, making these loans much faster than traditional finance options.

Here’s a possible timeline:

Day 1

We’ll have an initial discussion about your needs and crypto portfolio. If everything looks good, we can give you an immediate decision in principle.

Days 2-3

We’ll finalise the loan terms and arrange the custody agreement for your crypto assets. Our specialist lenders understand the need for speed and keep paperwork streamlined.

Days 3-7

Your crypto moves to the secure custody account, and once confirmed, your loan funds are released to your bank account.

Some straightforward loans complete even faster, especially if you need the funds urgently. For more complex arrangements, or if you’re borrowing a larger amount, it might take a few extra days to put everything in place.

The key is starting the conversation early – even if you don’t need the funds immediately, it’s worth discussing your options so we can move quickly when you’re ready.

Understanding the Risks

While crypto loans offer many benefits, it’s important to understand the potential risks and disadvantages.

Market Volatility

Cryptocurrency values can change significantly in short periods. If your crypto’s value falls substantially, you might need to either add more crypto as security or repay part of your loan to maintain the agreed loan-to-value ratio.

Margin Calls

If you can’t provide additional security when needed, the lender might sell some of your crypto coins to bring the loan back into balance. We’ll always contact you first and work with you to find the best solution.

Interest Rate Considerations

Your interest rate may change during the loan term, so you’ll need to factor this into your plans. If you’re using rolled-up interest, remember that this builds up over the loan term.

Exit Strategy

You’ll need a clear plan for repaying your loan at the end of the term. This might be through asset sales, refinancing, or other income sources – we’ll help you think this through before you commit.

Custody Arrangements

While your crypto is held in secure, regulated custody, you won’t be able to trade it during the loan term. Make sure you’re comfortable with this restriction before proceeding.

Qualifying for a Crypto Loan

You’ll need a minimum of £200,000 in cryptocurrency to secure a £100,000 loan. We mainly work with Bitcoin and Ethereum, though other major cryptocurrencies are considered.

You’ll need to show that you own the crypto assets outright and have full control of the wallets or exchange accounts where they’re held.

While we don’t need proof of income, you’ll need to explain how you plan to repay the loan. This could be through asset sales, business income, or refinancing.

Why Choose Us?

We’ve built our reputation on understanding both traditional finance and the digital asset world.

When you work with us, you benefit from connections with over 250 lenders. This network means we often secure terms others can’t match.

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Who We Help

We work with a diverse range of clients who share one common factor – significant cryptocurrency holdings.

Many of our clients are early Bitcoin or Altcoin adopters who’ve built substantial digital wealth and now want to put it to work without selling their assets or missing out on future growth.

Property investors make up a significant portion of our client base.

From experienced landlords looking to expand their portfolios to first-time investors entering the market, these clients use their cryptocurrency assets to fund property purchases while keeping their digital investments intact.

We also serve many business owners and entrepreneurs who’ve built wealth through crypto and now need capital for growth, acquisitions, or new ventures.

Our international reach means we regularly help overseas clients invest in UK opportunities. These investors often need complex financial arrangements across multiple jurisdictions, which is where our expertise in international lending proves invaluable.

We also work with private clients who hold substantial crypto portfolios and need access to capital while maintaining their market position.

What unites our clients is their need for sophisticated financial solutions that respect both traditional finance and the digital asset world.

Tailored Lending Solutions

Every client’s situation is unique, which is why we take time to understand your specific needs before recommending any solution.

We start by listening to what you want to achieve. Whether it’s a specific purchase, investment opportunity, or general liquidity need.

We can arrange loans with different terms, interest payment options, and security arrangements. This might mean rolled-up interest for better cash flow, or specific loan terms to match your exit strategy.

We work with specialist lenders who understand crypto assets and can offer competitive terms. We’ll match you with the right lender for your circumstances and requirements.

For clients with cross-border needs, we can structure loans that work across different jurisdictions, making international transactions smoother.

Once your loan is in place, we’re here to help if circumstances change or you need to adjust your arrangements. Our relationship doesn’t end when the loan completes.

Getting Started

Every crypto loan begins with a conversation.

We’ll discuss your portfolio, your funding needs, and how we can structure a solution that works for you.

You’ll need cryptocurrency holdings worth at least £200,000, but there’s no upper limit – we regularly arrange million-pound plus deals.

Take the Next Step

Let’s discuss putting your cryptocurrency portfolio to work. Call us today on 020 3488 5706 for a same-day response.

All conversations remain completely confidential.

FAQ

Some common questions about Crypto Backed Loans.

You’ll need at least £200,000 in cryptocurrency to secure our minimum loan of £100,000. This 50% loan-to-value ratio helps protect both you and the lender from market volatility.

We primarily work with Bitcoin and Ethereum due to their market stability and liquidity. However, other options are available where mainstream cryptocurrencies can be used as collateral.

Bitcoin (BTC)
Ethereum (ETH)
XRP
USD Coin (USDC)
Uniswap (UNI)
Litecoin (LTC)
Chainlink
Bitcoin Cash (BCH)
Polygon (MATIC)
Internet Computer (ICP)
Tezos (XTZ)
Aave (AAVE)
Maker (MKR)
Compound (COMP)
Curve DAO Token (CRV)
Synthetix (SNX)
Bancor (BNT)
1inch Network (1INCH)
Aragon (ANT)
Sygnum Digital CHF (DCHF)
SushiSwap (SUSHI)
Cardano (ADA)
Solana
Polkadot

Most loans complete within 3-7 days from initial enquiry to funds in your account. Simple cases can be even quicker, while more complex arrangements might take a few extra days.

All timeframes are dependent on the timely flow of paperwork and requested information.

No – that’s the key benefit.

Your crypto stays in secure custody during the loan term, and you’ll get it back once you’ve repaid the loan. You’ll also benefit from any value increases during this time.

If there’s a significant drop in value, you might need to either add more crypto as security or repay part of the loan to maintain the agreed loan-to-value ratio. We’ll always contact you first to discuss your options.

You can’t trade with the currencies you have used for the loan. Anything else is unaffected. You’ll regain full control once the loan is repaid.

There are no restrictions on how you use the funds. Common uses include property purchase, business investment, tax bill payment, or portfolio diversification.

Your crypto is held by regulated custodians, appointed by the lender, who specialise in digital asset security. They use cold storage and have comprehensive insurance coverage.

Yes, you can use a combination of accepted cryptocurrencies. We’ll calculate the total value and loan amount based on your entire portfolio.

While similar in principle, crypto related loans are a distinct product from traditional Lombard loans.

Both use assets as security, but Lombard loans are secured against conventional assets like stocks, bonds, or investment funds. Crypto-backed loans are specifically designed for digital assets and often offer faster completion times and different terms.

Read more: Lombard Loans: Portfolio-Backed Lending Solutions

A margin call occurs when the value of your crypto falls below a certain threshold set by the lender. Think of it like the loan to value on a bridging loan.

For example, if your £200,000 in Bitcoin securing a £100,000 loan drops to £150,000, you might receive a margin call. You’ll then need to either deposit more crypto as security or repay part of the loan to maintain the agreed loan-to-value ratio.

Rehypothecation is when a lender reuses your crypto collateral for their own purposes while it’s securing your loan.

Some lenders do this to offer lower interest rates, but it adds risk to your loan. Our partner lenders don’t practice rehypothecation – your crypto stays in secure, segregated custody throughout the loan term, ensuring it’s safely held and readily available when you repay your loan.

Fiat currency is traditional money like British pounds, US dollars, or euros.

Fiat currency is a type of money that is issued by a government and is not backed by a physical commodity like gold or silver. Instead, its value is based on public trust in the government that issued it.

When you take out a crypto-backed loan, you’ll receive the funds in fiat currency while your cryptocurrency serves as security. You’ll also repay the loan in fiat currency, regardless of any changes in your crypto’s value during the loan term.

Cold storage means keeping cryptocurrency offline in a highly secure environment, away from internet connections.

When you take out a crypto-backed loan, your digital assets are moved to cold storage with a regulated custody provider – think of it like putting valuables in a bank vault.

Still have more questions?

Just give us a call on 020 3488 5706 to speak with an expert.