We use cookies to enhance your browsing experience, analyze site traffic, and personalize content. By clicking 'Accept,' you consent to the use of cookies as described in our Privacy Policy.
DeclineAccept

Borrow Against Your Crypto with Confidence.

Borrow against your crypto from a secure, compliant crypto-backed lender.
As seen in:
Financial Post LogoGlobalNewswire LogoBenzinga Logo
How much can I borrow?
Down Arrow Icon
minimize
I have
I can borrow up to
USDC
CAD
at 13.99% APR
Get Started
BTC Price: $101,101
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

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 collateral rises in price.
Total Peace of Mind Image

Total Peace of Mind

Compliant, insured, and built with security in mind.

What Are You Looking For?

Persona Loanl Icon

Personal Loan

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

Business LOAN

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

APX White Label

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

Get a loan in 3 easy steps

Register Image
Step 1

Register

(5 mins)
All you need is a valid email address to get started. It's quick and easy!
Apply for loan Image
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.

About APX Lending

Regulated Icon

Compliant

We are currently registered with FINTRAC in Canada and FinCEN in the US. We have also applied for relief from registration and prospectus requirements with the Ontario Securities Commission as a crypto-backed lender. Our application with the OSC is currently pending review.
Borrow Against Your Crypto Icon

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

We offer some of the lowest interest rates on crypto-backed loans with no origination fees. Choose flexible loan durations from 3 to 60 months, with Loan-to-Value (LTV) ratios up to 60%.
Transparency Icon

Secure

APX Lending uses a multi-pronged approach to securing your crypto. Unless specified otherwise, all funds are stored with a qualified custodian, require multiple signatures for any fund movement and are insured up to $250M.

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

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 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 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 CAD
Crypto collateral value: $100,000 CAD
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 CAD
Crypto collateral value: $100,000 CAD
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 Type 1 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

See all blogs

What Happens if You Default on a Crypto Loan?

Learn about the risks, collateral liquidation process, and how APX Lending ensures compliance and safety.

Leverage Your Bitcoin During The Halving: Smart Borrowing Strategies

Explore strategic borrowing options during the 2024 Bitcoin halving with APX Lending.

Exploring White Label Crypto Lending Solutions for Businesses

Explore customizable, white-label crypto banking solutions. Seamless integration for cryptocurrency lending services, ideal for banks & crypto institutions.
See all blogs
APX Lending Logo
CLA Verified Lender BadgeAICPA SOC Badge
LinkedIn IconX Logo IconInstagram IconFacebook Icon
Registrations:
FinCEN: 31000248116781
FINTRAC: M23366277
Loan Services
Personal LoansBusiness LoansBitcoin-Backed LoansEthereum-Backed LoansWhite Label Crypto Loans
About APX Lending
SecurityRegulationsAbout APX LendingAPX Lending in the MediaTerms and ConditionsPrivacy PolicyCollateral Risk DisclosureSupportBlogStatus
© 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 and prospectus 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.
For details on how to submit a complaint, please visit our complaints page.