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Please review the FAQs below before getting in touch.

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How do I apply for a loan?
You may apply for a loan on www.apxlending.com by clicking the Sign Up button.

Please note that we do not offer our services in the following countries: Belarus, Central African Republic, China, Democratic People’s Republic of Korea, Democratic Republic of the Congo, Haiti, Iran, Iraq, Lebanon, Libya, Mali, Moldova, Myanmar, Nicaragua, Russia, Somalia, South Sudan, Sri Lanka, Sudan, Syria, Ukraine, Venezuela, Yemen and Zimbabwe.
What types of loans does APX Lending offer?
At APX Lending, you are able to get personal and business loans starting from as little as $10,000 and 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. Your credit history does not matter to us!

We do check our loan applicants against local and international sanctions and politically exposed peoples lists. Our Team will help you determine if you are qualified.
What documents are required to apply for a loan?
As a FINTRAC registered entity in Canada, we require you to submit certain information about yourself, including a picture of your government-issued photo ID, during the sign-up process.  We hold all information in strict adherence to the Personal Information Protection and Electronic Documents Act (PIPEDA) requirements.
How long does the loan approval process take?
Our goal is to approve over 90% of our loan applications within 24 hours. This may mean that your particular application can take longer or shorter than 24 hours. Once your loan is approved our team will be in touch to process the disbursement of the loan itself right away.
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 crypto custody, is insured for up to 250M USD, and visible to you on the blockchain for the duration of your loan as well as 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 contractors 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 qualified custody. Your Bitcoin collateral with BitGo is covered by 250M USD of insurance. We move your Bitcoin collateral to BitGo using Fireblocks, the world's No. 1 multi-sig technology provider. Your Bitcoin collateral is covered by 50M USD of insurance when under Fireblocks control. We undergo periodic penetration testing by military-grade pen testing facilities and are fully SOC 2 Type 1 certified. SOC 2 Type 1 certification demonstrates an organization's commitment to data security and provides assurance to customers that the organization has implemented strong controls to protect their data and ensure the reliability and integrity of its services.
What are the fees per loan application?
We do not charge any loan origination fees or early termination fees (after a minimum 3 month loan period). Simple interest is accrued on your loan daily and charged monthly. We strive to offer competitive and straightforward pricing for our loans e.g. a 50% LTV loan is charged 13.99% simple annual interest.
What is the fee for paying my loan back earlier than my loan term?
There are absolutely no fees or penalties for early repayment of your loan (after the first 3 months)!
How does Bitcoin volatility affect my loan or collateral?
The volatility of Bitcoin does not impact your loan except if the ratio of your loan to your collateral (LTV) rises above certain thresholds. If the value of your loan divided by the value of your collateral in USD, your loan LTV, increases to over 80% we will notify you asking you to pay back some of your loan or send more Bitcoin collateral, such that, the LTV of your loan decreases to <80%. If you do not take any actions and the value of your collateral continued to fall, increasing your LTV to over 90%, we will sell a portion of your Bitcoin collateral such that the remaining loan to collateral ration decreases to your originating LTV.

For example, if you take a 10,000 USDC loan at a 50% LTV, you will need to send us 20,000 USD worth of BTC (10,000/20,000 = 50%). If the value of your BTC collateral falls to 11,111 USD your LTV would have increased to 90% (10,000/11,111) = 90%). If by that time you have not repaid any of your loan nor sent us more collateral, we will sell 8,889 USD worth of your collateral to pay back a portion of your loan, such that the remaining loan to collateral ratio (LTV) drops to 50% (10,000-8,889)/(11,111-8,889) = 60%. In our example, the remaining loan you will need to pay back would have decreased to 1,111 USDC.
Can I use my Bitcoin collateral to pay back my loan or monthly interest payments?
Yes! You can even conveniently setup monthly payments and we will sell a portion of your collateral on a monthly basis to pay off your interest (as long as doing so won't bring your loan LTV to above 90%).
How is the required crypto collateral amount determined?
The amount of Bitcoin collateral you put up for your loan depends on the LTV (loan-to-value) you select and are approved for during the loan application process. You can select LTVs from as low as 20% to as high as 60%.
What happens if the value of the Bitcoin collateral decreases?
If the value of your loan divided by the value of your collateral in USD, your loan LTV, increases to over 80% we will notify you asking you to pay back some of your loan or send more Bitcoin collateral, such that, the LTV of your loan decreases to <80%. If you do not take any actions and the value of your collateral continued to fall, increasing your LTV to over 90%, we will sell a portion of your Bitcoin collateral such that the remaining loan to collateral ration decreases to 80%.
What happens if the value of the Bitcoin collateral increases?
You can withdraw excess collateral as long as your LTV does not decrease to lower than your original loan LTV. For example, if you took a loan out at a 50% LTV, you can withdraw excess collateral as long as doing so keeps the remaining loan LTV to no more than 50%.
Does borrowing against my Bitcoin 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.
Are there any restrictions on what I can do with the loan?
No, there are no restrictions as long as you are not breaking the law. Most often our users use the loans to make additional investments, for debt consolidation, to make a large purchase (i.e. real estate) or to pay a large expense.

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