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Compliant crypto-backed lending
Secure, compliant lending for individuals and institutions.
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Crypto-backed loans
for every borrower

Designed for individuals and businesses, our service offers a safe, fast, and flexible way to borrow against your Bitcoin or Ethereum. Whether you need funds for yourself or your business, we provide a reliable solution that caters to your financial needs.

Why borrow with
APX Lending?

Apply now
Safe and secure.
The only crypto lender approved by the CSA, registered with FINTRAC and FinCEN, and SOC 2 attested. Collateral stays in segregated BitGo Trust cold storage wallets, insured up to $250M—never pooled or re-hypothecated—with policy limits up to $250M. Verify your assets on-chain in real time 24/7.
Easy to use.
Sign up and post collateral in minutes—no paperwork, no back-and-forth. See your LTV ratio and interest upfront, get funded fast (instant in USDC, under 24 hours in CAD), and reach real humans when you need help.
Flexible.
Borrow 20–60% LTV with terms from 3 to 60 months. Repay anytime—minimum three months’ interest if closed early—and redraw when you need liquidity. We support crypto loans from $10K tactical needs to eight-figure credit lines. Think: a crypto-backed line of credit except with fixed interest rates. We’ve combined the best of what’s out there and packaged it into one easy-to-use product.
Business client lending

For businesses, too

APX isn’t just for individuals. We provide liquidity for crypto-native businesses, exchanges and treasuries—from $25K working capital loans to +$10M treasury lines.
APX Lending is the CSA-approved crypto lender in Canada for businesses needing insured, compliant partners. Our loans are like rolling lines of credit with fixed rates and 3–60 month terms for predictable cash-flow.
Our team previously built Coinberry, a major Canadian licensed crypto exchange, so we understand running crypto businesses. We know what matters for operations and capital management.
Partner with the only CSA-approved crypto lender in North America. Learn more on our blog, or apply today.
Apply now

Loan calculator

See what you can borrow with
our crypto-loan calculator

I have
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≈ 108.103 CAD
I can borrow up to
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Term
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60 mo
Interest rate from*
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Transparent terms.
Built for trust.

Apply now
Rates
Starting at 9.99% APR
LTV
Borrow 20-60%. Liquidation at 90%
Terms
3-60 months, extendable.
Funding
Instantly in USDC, typically under 24h in CAD.
Minimums
$10K CAD/USDC (Canada), $25K USDC (U.S.).
Accepts
BTC and ETH.
No credit check
Your crypto is your collateral.
No hidden fees
$0 admin or origination.
Interest
Accrues daily, billed monthly. Minimum interest if closed within 3 months.
Support
Real humans, 9-9 weekdays, 24h weekends.

APX Lending CEO

APX Lending 101

Insights for every stack

View all articles
Explainers

What is a crypto loan and how does it work?

A crypto loan lets you borrow cash without selling your Bitcoin or ETH. Learn how crypto loans work, their risks, rates, and benefits in our guide.

October 14, 2025
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Explainer

Beginner’s guide to Bitcoin loans: How to borrow against your crypto

Learn how Bitcoin loans work, what collateral means, and how to borrow against your crypto safely. Compare approval, funding time, and interest rates in this easy guide.

October 2, 2025
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Trust

Low rates, high stakes: Canada’s unlicenced bitcoin lenders

If you're looking to borrow against your Bitcoin, make sure it's with a licenced lender. Here's everything you need to know.

October 2, 2025
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FAQ

Everything you need to
know about APX loans

What is a crypto-backed loan?

A crypto-backed loan lets you borrow cash while keeping your Bitcoin or Ethereum. You post your crypto as collateral, we hold it in segregated custody, and you receive funds in CAD or USDC (Canada) or USDC (U.S.). When you repay, you get your crypto back.

What assets can I borrow against?

Currently, APX supports Bitcoin (BTC) and Ethereum (ETH) as collateral.

What are your rates and terms?
  1. Canada: Flat 12.99% APR for all loans (CAD or USDC).
  2. U.S.: Tiered rates—12.99% APR (<$100K), 11.49% APR ($100K–$1M), 9.99% APR (>$1M).
  3. Terms: From 3 months to 60 months, extendable.
How much can I borrow?
  1. Canada: Minimum loan is $10,000 CAD/USDC.
  2. U.S.: Minimum loan is $25,000 USDC.

You can borrow up to 60% of your collateral’s value (LTV).

How quickly will I receive funds?
  1. USDC loans: Funded in minutes once collateral is received.
  2. CAD loans: Typically funded within 24 hours by bank wire
Can I make partial repayments?

Yes. You can pay down part of your loan anytime, which lowers your interest and LTV. You can also redraw later against your remaining collateral.

What happens if the value of my collateral drops?

Your loan-to-value (LTV) ratio updates in real time. If it reaches 90%, we will liquidate your collateral. You’ll receive automated alerts before this happens.

Where is my collateral custodied?

All collateral sits in dedicated BitGo Trust wallets, insured for up to $250M, never re-lent or pooled. You can view your wallet address on-chain in real time.

How do I know APX Lending is secure?

APX is the only crypto lender approved by the CSA, and we’re also registered with FINTRAC (Canada) and FinCEN (U.S.). We hold a SOC 2 attestation and run annual penetration tests to ensure systems remain secure.

Do you run credit checks?

No. Your crypto is your collateral. We do not run credit checks.

Can businesses borrow from APX Lending?

Yes. We support both individuals and businesses. Companies use APX for working capital, treasury management, or to access liquidity without selling crypto. Minimums and terms are the same as for personal loans.

Are crypto-backed loans taxable?

In most cases, borrowing against your crypto is not a taxable event, because you aren’t selling your assets. That said, we always recommend consulting a tax advisor for guidance specific to your situation.

What fees do you charge?

We don’t charge origination, admin, or hidden fees. The only cost is your loan interest.

What is the loan-to-value (LTV) ratio for a Bitcoin-backed loan?

The loan-to-value (LTV) ratio is the percentage of your crypto’s value you can borrow as cash. At APX Lending, you can borrow 20%–60% of your Bitcoin or Ethereum’s current market value. If your LTV ever rises above 90% because the market drops, your position may be liquidated to protect against loss.

FINTRAC: M23366277
FinCEN: 31000248116781
CSA: APX Inc. Order  
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