Access dollars without selling your bitcoin

Borrow dollars against your bitcoin treasury to grow your business or make an investment.

No rehypothecation
Collateral verifiably held in multisig
Loans typically approved same-week

Let us know a little more about your inquiry

Unchained Capital Inc. does not provide tax, legal, or investment advice. Consult with a qualified tax accountant, attorney, and/or licensed financial advisor if you need advice.

Loan principal

USD

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

Collateral

BTC

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

Finance charge:

0

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 6/13/2024 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.

“What I love so much about Unchained is that you’ve built your technology where I don’t need you—and that makes me want to use you even more.”

– Bradley

Unchained Capital, Inc. is not a bank. Unchained Capital, Inc. (NMLS ID: 1900773) and Bitcoin Collateral Services LLC (NMLS ID: 2423070) are licensed to provide certain financial services. Loans are subject to approval. A loan application is required. All loans have a maximum loan-to-value ratio based on required bitcoin collateral. Fees may be assessed on overdue amounts. Loans may not be available in all states and may be subject to local restrictions where available. California loans may be made or arranged by Unchained pursuant to a California Financing Law license. To learn more about Unchained's licensing, see our legal and regulatory page.