Commercial Loans

Bitcoin-backed loans for business with zero rehypothecation

We put you closer to your collateral than any other lender, with on-chain verification using a key you control.

$1 billion+
in loan originations
1,000+
loans originated
Zero
lost bitcoin

Unlock dollar liquidity without selling bitcoin

Access liquidity while keeping your bitcoin collateral secure in multisig. Your company controls a key, so you can verify on-chain that your bitcoin is never rehypothecated.

Streamlined applications,

fast funding

Access institutional grade liquidity through a streamlined application with clear terms and fixed pricing. Approvals are fast, with funds arriving in as little as two business days.

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Manage collateral with ease

View your loan’s health report at any time from the loan dashboard, so you can easily manage collateral when the bitcoin price moves quickly.

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Fixed transparent pricing
USD
Minimum $150,000. All loans are 12-payment terms.
BTC
14%
16.21%
30-day payments (interest-only):
0
Final payment:
0
Origination fee:
0
0
Finance charge:
0
Estimated collateral-to-principal (CTP):
200%
Estimated first CTP violation:
0
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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 Terms, interest, and APR shown are estimates as of 11/10/2025 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.
How collaborative custody
protects your treasury
1

No single party can move your bitcoin

Your bitcoin collateral cannot be moved or rehypothecated by Unchained, Fortis Bank, or your company acting alone.
2

Keys held by independent agents

Unchained and Fortis Bank each hold one key, which prevents any party from moving bitcoin unilaterally.
3

Verify your collateral on-chain

Verify your collateral on-chain at any time using a key your company controls.
Where we lend
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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 commercial loan application is required and commercial loans are subject to approval. For commercial loan terms, collateral requirements, and fees please see here, or see your specific commercial loan document for more information. Commercial loans may not be available in all states and may be subject to local restrictions where available, please see here for availability. California commercial loans may be made or arranged pursuant to a California Financing Law license. Terms, interest, and APR shown are as of [DATE] and subject to change without notice, see our pricing page for current pricing. Your actual rate, payment and costs could be higher. Review your commercial loan agreement for actual terms and conditions prior to entering into any transaction. Unchained’s bitcoin commercial 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 commercial loan principal. Terms and fees shown are estimates only and do not represent a quote, preapproval, or approval for credit.

The ultimate guide to bitcoin-backed loans

Learn everything you need to know about borrowing dollars against your bitcoin. Understand how collateral is held to how loans are structured, priced, and used responsibly. Explore the tradeoffs so you can make informed decisions with confidence.

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