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Borrow Against Your Crypto with Confidence.

Borrow against your crypto from a secure, compliant crypto-backed lender.
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How much can I borrow?
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I can borrow up to
USDC
at 13.99% APR
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BTC Price: $101,101
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Why Borrow Against Your Crypto with APX Lending? 

Keep Your Bitcoin Image

Keep Your Bitcoin

Access funding while your crypto assets stay intact for future growth.
Flexible Financial Freedom Image

Flexible Financial Freedom

Adjust your loan terms and unlock extra funding when your crypto rises.
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Total Peace of Mind

Compliant, insured, and built with security in mind.

A Message from our CEO

Read and Learn More About APX Lending

About APX Lending

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Compliant

Trust is important, and we are committed to regulation and compliance. APX Lending is the first and only regulated and authorized crypto-backed lender in Canada. We are registered with the Canadian Securities Administrators and FINTRAC in Canada and FinCEN in the US.
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Borrow Against Your Crypto Quickly

Over 90% of APX Lending customers receive their funds within 24 hours of signing up and applying for a loan. We are committed to providing a fast, efficient, and reliable service with customer support available throughout.
Competitive Terms Icon

Competitive Terms

APX Lending stores client funds in segregated cold storage wallets with BitGo where your collateral is insured up to $250M. We never reinvest your funds and hold them securely for the duration of your loan.
Transparency Icon

Transparency

When you deposit your collateral with APX Lending, you can view it directly on the blockchain for the duration of your loan . APX Lending customers also have access to our dedicated service team and 24/7 dashboard for complete peace of mind. We never comingle or pool together client collateral.

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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Monitor your collateral on the blockchain 24/7
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Access additional funds or withdraw collateral if its value increases.
Get Started
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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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Monitor your collateral on the blockchain 24/7
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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
Get Started
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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 integrability
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Talk to our solutions engineering team today.
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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
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Techstars LogoDay One Ventures LogoAbed Group Logo
Techstars LogoDay One Ventures LogoAbed Group Logo

Get a loan in 3 easy steps

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Step 1

Register

(5 mins)
All you need is a valid email address to get started. It's quick and easy!
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Step 2

Apply for loan

(5 mins)
Choose your terms: from 3 month to 60 months and up to 60% LTV
Get approved & funded Image
Step 3

Get approved & funded

(24h)
We review, approve, and fund over 90% of our loans within 24 hours.

Frequently Asked Questions

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 of USDC 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 will receive your USDC loan in under 24 hours.
What is the interest you charge?
APX Lending charges 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!

Don't believe we offer the best rates in the industry? See for yourself below, what some of our competitors charge in our blog.
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 address once your loan is approved and we have received your collateral.
Do you reinvest my collateral?
Your collateral is never reinvested. It is custodied with a licensed custodian in insured (up to $250M), segregated, multi sig, cold storage wallets and is visible to you on the blockchain for the duration of your loan.
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 the Margin Call LTV stipulated in your loan agreement our systems will periodically 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. Once 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 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 USDC and business loans up to $10,000,000 USDC. At the current time we only offer loans in USDC. (https://www.circle.com/en/usdc).
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. As a regulated entity, we check our 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?
Your collateral is stored in a segregated, cold-storage wallet with BitGo, a US-based market leader in regulated custody, and is insured for up to $250M. Your collateral is always visible to you on the blockchain for the duration of your loan (except for instances where collateral liquidation is required) 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.

We store your Bitcoin collateral with BitGo, the world leader in qualified 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.

Our Latest Blogs

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APX Lending vs Aave

Discover the key differences between APX Lending a CeFi lending platform and Aave, a DeFi lending protocol. Compare features, security, compliance, and more to choose the right solution for your borrowing needs.

APX Lending vs LEDN

Explore why APX Lending is the superior choice for Bitcoin-backed loans. Compare APX vs. Ledn on security, flexibility, and transparency.
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© 2023-2025 APX Inc.
Accounts with APX Inc are not protected by the Canadian Investor Protection Fund, the Canadian Deposit Insurance Corporation, Securities Investor Protection Corporation or any other investor protection insurance scheme nor afforded protections under the Federal Deposit Insurance Corporation (FDIC) or the Securities Investor Protection Corporation (SIPC) in the United States.
APX Inc applied for relief from registration requirements with the Ontario Securities Commission. Our application is currently pending review.
The information, opinions, views, or materials posted on or made available through the APX Platform provided by APX Inc. (together with its subsidiaries and affiliates, “APX”), social media, podcast, or any other medium containing content provided by APX (collectively, the “Materials”) are intended for general information, discussion, or educational purposes only and are not to be construed or relied upon as constituting legal, financial, investment, trading, accounting, tax, estate-planning, or other professional advice or any form of recommendation.
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