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Compliant crypto-backed lending
Secure, compliant lending for individuals and institutions.
Loans
Lending options for retail borrowers.
White Label
Institutional lending under your own brand.
Who APX helps
See how different types of borrowers use APX—and the value our products deliver for each.
High-net-worth individuals
Access tax-efficient liquidity and protect upside with transparent, real-time LTV tools.
Miners
Get higher LTV, lower liquidation risk, and operating capital without selling your stack.
Unlock smarter crypto moves
From quick explainers to advanced tools. No jargon, just insights.
Blogs
Market trends, tax tips, and borrower stories.
Crypto loans guide
How crypto loans work and how to borrow safely.
Crypto loan calculator
Check borrowing power, LTV, and liquidation buffer.
Support
Live chat or step-by-step guides anytime.
Referral program
Get rewards when you refer a borrower.
About APX Lending
CSA-compliant lending made safe, fast, and flexible.
About
Our story, leadership, and compliance foundation.
Trust
Governed by FINTRAC, FinCEN, CSA frameworks.
Security
Cold storage, SOC 2 audits, and $250M insurance.
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BITCOIN-BACKED LOANS FOR MINERS

Liquidity for miners without selling your Bitcoin

Get fast liquidity backed by your BTC, with higher origination LTVs and a partial liquidation buffer that lets you manage OPEX, expand hashrate, and ride out volatility without selling.

Talk to our lending team

Trusted custody. Transparent lending.

Built for miners who need liquidity without giving up Bitcoin

Avoid forced selling
Protect your treasury during volatility and hold your Bitcoin long-term.
Smooth out OPEX cycles
Cover hydro, payroll, repairs, and unexpected downtime.
Access more capital for your stack
Market-leading origination LTVs let you unlock more liquidity per BTC you’ve already mined.
Scale hashrate without dilution
Expand capacity without selling equity or reducing long-term BTC exposure.

Financing that works the way miners operate

Segregated, insured BitGo custody

Your BTC is stored in a named BitGo Trust wallet—fully segregated, insured, and never rehypothecated. No pooling. No counterparty games.
‍

Transparent, on-chain verification

You can verify your collateral on-chain at any time. Full visibility into wallet balances and movements. Zero opacity, zero surprises.

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Market-leading LTVs tailored for miners

Unlock more capital per BTC with high origination LTVs and a generous 90/85 partial liquidation threshold at 0 liquidation fee, giving you the buffer and peace of mind needed to weather volatility.
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Flexible, miner-friendly loan terms

Fixed rates, 3–60 month terms ensure predictable cash flow without restrictive covenants or friction.

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APX Lending CEO

APX Lending 101

More liquidity. More buffer.
Less stress.

LTV
Up to 60%
Liquidation threshold
Partial Liquidation (90/85 standard) with 0% liquidation fee
APR
9.99–12.99%
Terms
3–60 months
Custody
BitGo Trust (segregated, insured)
Verification
On-chain, 24/7
Funding time
Within 24 hours

LOAN CALCULATOR

See how much liquidity you can
unlock from your Bitcoin

I have
This is some text inside of a div block.
(108.103 CAD)
I can borrow up to
Loan amount
0
Term
Up to 5 yrs
60 mo
Rates starting at*
9.99%
Apply now
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How APX Lending works

1. Apply in minutes
Use your email, pick a term (3–60 months) and LTV (20–60%), upload your ID, and get pre-qualified in minutes.
Talk to a lending expert
2. Approve and deposit collateral
Review your offer, e-sign, then send your crypto to your dedicated APX Lending wallet (BitGo Trust custody; segregated and insured).
Talk to a lending expert
3. Get funded fast
Once collateral confirms, we release your loan. CAD wires typically arrive in 3–24 hours. USDC (where available) is usually processed within ~3 hours during business hours.
Talk to a lending expert

Get more liquidity for your stack—without selling
your Bitcoin
‍

Talk to a lending expert

FAQ

Questions miners ask us

Do I keep exposure to BTC?

Yes. You retain full Bitcoin exposure. APX only holds it as collateral.

How does the 90% liquidation LTV help miners?

It gives you a much wider buffer during price drops, reducing the risk of forced liquidation or margin calls.

Are loans available to corporations?

Yes. We work with incorporated miners, hosting facilities, and energy-backed mining operations.

Is this a taxable event?

Loans are generally non-taxable because you aren’t selling your Bitcoin. (Consult your tax advisor.)

How quickly can I get funded?

Most borrowers receive funds in 24 hours after posting collateral.

FINTRAC: M23366277
FinCEN: 31000248116781
CSA: APX Inc. Order  
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Accounts with APX Inc. are not protected by the Canadian Investor Protection Fund (CIPF), Canadian Deposit Insurance Corporation (CDIC), Securities Investor Protection Corporation (SIPC), or the Federal Deposit Insurance Corporation (FDIC). Content made available through the APX Platform, including social media, podcasts, and other materials, is for general informational and educational purposes only and should not be considered legal, financial, investment, or other professional advice. For information on how to submit a complaint, please visit our Complaints page. For more information, see our Terms and Conditions .
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