Commercial LOANS

Access liquidity without selling your bitcoin

Unlock the value of your bitcoin and maintain exposure in the safest way possible

Collaborative custody prevents rehypothecation

Distributing bitcoin keys among three key holders ensures that no single person or company can move your company’s bitcoin. This protects your bitcoin treasury from loss and lets you monitor the bitcoin on the blockchain for the duration of the loan.

Rehypothecation explained

Simple collateral management

Bitcoin is volatile but your bitcoin loan doesn’t need to be. The loan dashboard gives you a health status for your loan so you can easily manage collateral when the bitcoin price moves quickly.

Get dollar liquidity quickly from your bitcoin

Unlike traditional loans, bitcoin loans don’t require invasive paperwork. Just apply for the loan and move the bitcoin to the loan address. Get US dollars in your bank account in as soon as 2 business days.

Institutional lending is available for loans of $3 million and above.

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The best loans in bitcoin

We go above and beyond to ensure you have maximum confidence in your bitcoin security.

5.0 on Google Reviews

Get dollars for major investments

As a long-term bitcoin holding business, your priorities inevitably change. We’re here to help every step of the way.

Grow your business

Leverage your corporate bitcoin treasury to free up working capital

Debt consolidation

Consolidate high-interest-rate debt and simplify payments

Unchained is not a bank. Unchained Capital, Inc. (NMLS ID: 1900773), B&C Lending LLC (NMLS ID: 2656661), and Bitcoin Collateral Services LLC (NMLS ID: 2423070) are licensed to provide certain financial services. To learn more about Unchained's licensing, see our legal and regulatory page.

A loan application is required and loans are subject to approval. For loan terms, collateral requirements, and fees please see here, or see your specific loan document for more information. Loans may not be available in all states and may be subject to local restrictions where available, please see here for availability. California loans may be made or arranged pursuant to a California Financing Law license.

How collaborative custody works

Your company holds a key

With one key, you can verify you’re sending bitcoin to the right place. Unchained can’t move your bitcoin without collaborating with you or the third party key agent.

Unchained holds a key

We have limited control over your bitcoin. Unchained loans are never comingled so you’re not at risk of custodial failure.

Fortis holds a key

You retain the title to your bitcoin for the duration of the loan. Our key agent Fortis signs transactions if Unchained is unavailable or if loan terms are breached.

Where we lend

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Loan principal

USD

Minimum $150,000. Maximum $100,000,000. All loans are 12-payment terms.

Collateral

BTC

Minimum $150,000. All loans are 12-payment terms.

Interest Rate

14%

APR

Annual percentage rate (APR): A measure of the cost of credit, which includes interest charged and other costs such as origination fees, expressed as a yearly rate.

16.21%

30-day payments (interest only):

0

30-day payment: This is what you’ll pay every 30 days in interest for your loan. The principal (the initial size of a loan) is due with the final interest payment.

Final payment:

0

Final payment: This is the total you will need to pay for the last scheduled payment of your loan term. It comprises the final interest payment and total outstanding principal.

Origination fee:

0

Origination fee: The fee charged to originate a loan. Unchained includes this amount in the total amount borrowed, but it is not included in the total amount disbursed to the borrower.

Finance charge:

0

Finance charge: The total amount of interest and origination fees over the lifetime of the loan.

Estimated collateral-to-principal (CTP):

200%

CTP: The ratio of the value of your bitcoin collateral to the size of your loan principal. E.g., a 200% collateral-to-principal (CTP) would require you to deposit a min. of $300,000 worth of bitcoin to open a $150,000 loan.

Estimated first CTP violation:

0

CTP violation: The bitcoin price at which the value of your collateral would fall below the required level and you will be required to restore the CTP by making a deposit of additional collateral or principal payment to your loan.

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Tools and calculators are provided as a courtesy to help you estimate your lending needs. Unchained’s bitcoin loans require interest only payments every 30 days. Interest-only payments are calculated by multiplying the outstanding principal balance by the simple annual interest rate converted to a daily rate using a 365 day year. The final payment includes the last interest-only payment and the full balance of the loan principal. Terms, interest, and APR shown are estimates as of 3/12/2026 and may vary. Interest rates and APR can change, please see our pricing page for current pricing. Your actual rate, payment and costs could be higher. Review your loan agreement for actual terms and conditions prior to entering into any transaction. Results shown are estimates only and do not represent a quote, preapproval, or approval for credit. All lending products are subject to approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.

The ultimate guide to bitcoin-backed loans

We’ve put together a thorough guide that covers everything you’ll want to know about bitcoin-backed loans.

Ready to take a bitcoin-backed loan?

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