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Unlock liquidity
Keep your Bitcoin

Borrow against your Bitcoin instead of selling it

Advantages

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Transparent

Transparency is key - your collateral is held in segregated wallets and visible to you on the blockchain at all times!

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Competitive

We strive to offer the most competitive terms on the market - we charge no origination fees and offer flexible loan terms from 1 to 60 months with LTVs up to 70%

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Safe & secure

The safety & security of your collateral and personal information are our top priority - your collateral is insured up to 250M USD

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Compliance

We take compliance seriously - we are registered with FINTRAC and FinCEN in Canada and the US.

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Compliant

APX Lending is registered with FINTRAC in Canada, FinCEN in the US and we are currently preparing for our SOC 2 Type 2 audit

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Fast

We strive to provide the quickest service to our clients - over 90% of our clients sign up and have their loans issued within 4 hours

Select a loan option that best matches your profile

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Personal Loans

  • Get as little as 1,000 USDC and up to 1M in as little as 3 hours without any credit checks
  • Avoid paying taxes on the sale of your Bitcoin by borrowing against it
  • Finance a home project or renovation
  • Pay off credit card debt
  • Your Bitcoin remains segregated in cold storage at all times and is protected by up to 250M USD of insurance
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Business Loans

  • Borrow up to 10M USDC
  • Fund a new business vertical
  • Cover operational expenses
  • Hire additional staff or cover employee payroll
  • Your Bitcoin remains segregated in cold storage at all times and is protected by up to 250M USD of insurance

Get a loan in 3 easy steps

We strive to process your registration and loan application in under 3 hours. Get funded in 3 easy steps!

1. Sign up & register (<5 minutes)

All you need is a valid email address to get started.

2. Apply for loan (<15 minutes)

We offer full flexibility on loan terms: from 1 month to 60 months and from 20% to 70% LTV

3. Get approved & funded (<3 hours)

We strive to review, approve and fund over 90% of our loans within 3 hours.

Industry partners and investors

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White Label Solution

A compliant SaaS solution for financial institutions looking to
offer Bitcoin-secured lending products to their clients.
Talk to our solutions engineering and sales team today!

FAQ

How do I apply for a loan?

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You can apply for either a personal or business loan by clicking the Sign Up/Start Now/Get Loan and going through the application process. You can use the Loan Calculator on the website to estimate the amount of USDC you can borrow against your Bitcoin.

Are there limits to how much I can borrow?

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At APX Lending, you are able to get personal loans from as little as $1,000 USDC and up to $1,000,000 USDC. You are able to get business loans starting from $1,000 USDC and 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?

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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!

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 and politically exposed peoples lists. Our Team will help you determine if you are qualified.

Which countries do you operate in?

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APX Lending is registered with FINTRAC in Canada. In accordance with Canadian laws, 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, Zimbabwe.

Pending our application for registration and licensing with various regulatory bodies in the United States, we currently do not offer our services to residents of the United States.

Where is my collateral stored?

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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 USD. Your collateral is always visible to you on the blockchain for the duration of your loan (except for instances where collateral liquidation is required) on your dashboard.

What security steps do you take to protect my Bitcoin while it's in your possession?

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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 USD of insurance. We move your Bitcoin collateral to BitGo using Fireblocks, the world's No. 1 MPC solution provider. Your Bitcoin collateral is covered by 50M USD of insurance when under Fireblocks MPC control. We undergo periodic penetration testing by military-grade pen testing facilities and are preparing to undergo SOC 2 Type II certification. SOC 2 Type II 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.

Does borrowing against my Bitcoin affect my credit score?

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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.

Our customers say “Excellent”

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Apply now and discover the
possibilities!