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Bitcoin-Backed Loans Made Simple: Borrow Against Your Crypto with Confidence

Get fast crypto-backed loans using your Bitcoin. Borrow against your crypto without selling or credit checks.
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How much can I borrow?
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I have
I can borrow up to
USDC
USDC
at 12.99% APR
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Why Borrow Against Your Crypto with APX Lending? 

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Fully Regulated & Trusted

APX Lending is the only CSA-compliant crypto-backed lender in Canada and the US, registered with FINTRAC & FinCEN. We’ve received Exemptive Relief from the Canadian Securities Administrators and are SOC 2 Audited, giving you real peace of mind.
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Fast, Reliable Access to Funds

More than 95% of our clients receive funds within 24 hours. No long waits, no credit checks. Our support team is always ready to help, so you’re never left in the dark.
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Security You Can Count On

APX Lending offers a CeFi alternative with institutional-grade infrastructure and insured custody via BitGo, eliminating smart contract risk and addressing concerns around DeFi complexity and lack of insurance.

What Are You Looking For?

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Personal Loan

Looking to borrow under $1M?
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No credit history check
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Insured cold storage custody
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Get funded within 24 hours
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Access additional funds or withdraw collateral if its value increases.
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Business LOAN

Looking to borrow over $1M?
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No credit history check
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Insured cold storage custody
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Get funded within 24 hours
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Access additional funds or withdraw collateral if its value increases.
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Specialty rates, payment schedule and terms
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24/7 support
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APX White Label

For financial institutions
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A compliant white label solution for financial institutions looking to offer crypto-backed lending products to their clients.
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Full API integration
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Talk to our solutions engineering team today.
Get Started

Get a loan in 3 easy steps

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Step 1

Register & Apply

(5 mins)
All you need is an email address to get started. Apply for a loan with terms from 3 to 60 months and up to 60% LTV.
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Step 2

Send Collateral

(5 mins)
Once approved, sign the loan agreement and securely send your crypto collateral to get your loan.
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Step 3

Get funded

(24h)
Once we receive your collateral, funds are released quickly—typically within 24 hours.

About APX Lending

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Transparent, Segregated Custody

Your collateral is never commingled. APX Lending uses insured, cold storage wallets with on-chain visibility, so you can verify your assets at any time. No smoke and mirrors, just direct, real-time proof that your crypto is safe.
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Fixed Rates, No Rehypothecation

Lock in fixed interest rates as low as 9.99%, with no rehypothecation or reinvestment. Lock in fixed interest rates as low as 9.99%, with no rehypothecation or reinvestment. Your collateral is never lent out, invested, or used for any other purpose.
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Flexible

APX Lending puts you in control. Chose originating LTVs from 20-60% and loan terms from 3 months to 5 years. Our loans function like lines of credit, top up at any time to get more loan or withdraw some collateral if crypto prices go up, extend loan terms or close your loan early at any time.
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Regulated & CSA-Approved

APX Lending is the first crypto lender in Canada and the US to receive approval from the CSA. That means full regulatory oversight, clear compliance standards, and consumer protections you won’t find with offshore or unregistered platforms.

Leading Industry Partners

BitGoFireBlocksCanadian Lender AssociationInsight Assurence
BitGo LogoFireblocks LogoCanadian Loan Association LogoInsight Assurence
BitGo LogoFireblocks LogoCanadian Loan Association LogoInsight Assurence

Leading Investors

TechstarsDay One VenturesAbed
Techstars LogoDay One Ventures LogoAbed Group Logo
Techstars LogoDay One Ventures LogoAbed Group Logo
Techstars LogoDay One Ventures LogoAbed Group Logo

Got Bitcoin Loan Questions? We've Got Answers

How do I apply for a loan with APX Lending?
Unlike traditional loans that consider your credit score, APX Lending offers crypto-backed loans, using your crypto as collateral. You can use the Loan Calculator on our website to estimate the amount you can borrow against your Bitcoin or Ethereum.

To apply for a personal or commercial crypto-backed loan, you need to:

1. Open an account with APX Lending.
2. Apply for a loan by filing out your loan details in the loan calculator and clicking on "Apply".
3. Our team will promptly review your loan application, and if approved, you may receive your loan in under 24 hours.
What is the interest you charge?
APX Lending charges one of the lowest rate in the industry - 13.99%.

There are no hidden fees, no origination fees, no requirements to hold tokens or balance in your account and you can repay your entire loan early should you wish to do so with absolutely no penalty after only 3 months!
How quickly do I get my funds?
The loan application process takes less than 15 minutes and 90% of our clients receive their funds within 24 hours of applying. Your loan is sent directly to your USDC wallet or bank account once your loan is approved and we have received your collateral.
What is loan-to-value (LTV)
Loan-to-value or LTV is the percentage of the loan amount in relation to the market value of the cryptocurrency used as collateral.

For example:
Loan amount: $50,000 USD
Crypto collateral value: $100,000 USD
LTV (%) = ($50,000/$100,000)*100% = 50%

If the value of the collateral drops, for example to $60,000 then the LTV would increase to ($50,000/$60,000)*100% = 83.3%

If the value of the collateral increases, for example, to $150,000, then the LTV would decrease to ($50,000/$150,000)*100% = 33.3%
What happens if the value of my collateral changes before I repay my loan?
If the value of your collateral increases (your LTV decreases).

1. You can leave your collateral as is.

2. You can withdraw a portion of your collateral (as long as the resulting LTV is equal to or lower than your LTV at loan origination).

3. You can sell a potion of your collateral to pay off your interest and/or your loan principle (as long as the resulting LTV is equal to or lower than your LTV at loan origination).

If the value of your collateral decreases (your LTV increases).

1. Once your LTV rises to the Margin Call LTV stipulated in your loan agreement our systems will notify you via email of the current value of your LTV. You may choose to send us more collateral or pay off a portion of your loan to decrease your loan LTV, or you may choose to do nothing and continue to monitor your LTV.

2. If your LTV rises to the Liquidation LTV stipulated in your loan agreement, our system will automatically sell a portion of your collateral to bring your loan LTV down to your LTV at loan origination. To avoid this scenario, monitor and top up your loan collateral once it reaches the Margin Call LTV.
At what LTV do you liquidate my collateral?
The liquidation LTV will be stipulated in your loan agreement. We strive to give our clients the most flexibility with the highest LTVs possible.  

For example:
Loan amount: $50,000 USD
Crypto collateral value: $100,000 USD
Origination LTV (%) = ($50,000/$100,000)*100% = 50%
Liquidation LTV = 90%

Your collateral would have to fall from $100,000 to $55,555 before we liquidate it to pay off your loan.
($50,000/$55,555)*100% = 90%
Are there limits to how much I can borrow?
At APX Lending, you are able to get personal loans from as little as $10,000 and business loans up to $10,000,000.
What are the eligibility criteria for obtaining a loan?
We do not require a credit check or access to your credit history in order to approve your loan.

You need to create an account on our platform to apply for a loan. We will check your loan applicants against local and international sanctions lists. Our team will help you determine if you are qualified if you're not sure.
Which countries do you operate in?
For a full list of the countries we offer our services in please click here.
Where is my collateral stored?
Unless specified otherwise, your collateral is stored in segregated, cold-storage wallets with BitGo, a US-based market leader in regulated custody, insured for up to $250M, and visible to you on the blockchain for the duration of your loan and on your dashboard.
What security steps do you take to protect my Bitcoin while it's in your possession?
APX Lending works with world-class cyber security experts to keep our systems and your information safe. Our team has extensive experience managing cyber security and blockchain risks.

Unless specified otherwise, we store your Bitcoin collateral with BitGo, the world leader in crypto custody. Your Bitcoin collateral with BitGo is covered by $250M of insurance.

We move your Bitcoin collateral to BitGo using Fireblocks, the world's No. 1 multi-sig provider. Your Bitcoin collateral is covered by $35M of insurance when under Fireblocks control.

We undergo periodic penetration testing by military-grade pen testing facilities and are the only SOC 2 audited lender verified by the Canadian Lender's Association.

Our SOC 2 audit demonstrates our commitment to data security and provides assurance to our borrowers that we have implemented strong controls to protect your data and ensure the reliability and integrity of our services.
Does borrowing against my Bitcoin or Ethereum affect my credit score?
No. We do not contact your credit bureau. We do not pull any soft or hard credit checks from your credit bureau. We do not report back to your credit bureau.

Your loan is solely backed by your crypto-collateral.

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