Bitcoin-backed loans
for every borrower

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

I had a great experience with APX lending, and would recommend them. They offered terms negotiation and were very fair. I repayed early and had very little interest.

APX Lending made it fast and easy to get a loan. I was funded the same day! Definitely a safe and trusted source to secure your BTC. It was a pleasure dealing with them.

I was impressed by the level of care and patience in helping me all the steps of the way in setting my account and loan. This was truly enjoyable and smooth process.

I had a great experience with APX lending, and would recommend them. They offered terms negotiation and were very fair. I repayed early and had very little interest.

APX Lending made it fast and easy to get a loan. I was funded the same day! Definitely a safe and trusted source to secure your BTC. It was a pleasure dealing with them.

I was impressed by the level of care and patience in helping me all the steps of the way in setting my account and loan. This was truly enjoyable and smooth process.

Why borrow from
APX Lending?

Apply now

Safe and trusted.

The only crypto lender approved by the CSA, FINTRAC, and FinCEN, with SOC 2 attestation. Collateral is held in insured BitGo Trust cold storage wallets—never pooled or rehypothecated—and always verifiable on-chain 24/7.

Easy to use.

Sign up and post collateral in minutes—no paperwork, no delays. See your LTV and rates upfront, get instant USDC or CAD in under 24h, and connect with real humans whenever you need support.

Flexible as Bitcoin-backed credit.

Borrow 20–60% LTV with terms from 3–60 months. Repay anytime (min. 3 months’ interest), redraw liquidity when needed, and access loans from $10K to eight figures—all with fixed rates and a simple structure.

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 in our blog, or connect with our team today.

Talk to team

Loan calculator

See what you can borrow

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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

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Compliance

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.

September 16, 2025

Compliance

Is APX Lending Safe? What You Need to Know

Wondering if APX Lending is safe? Learn how it works, potential risks, and key things to know before using this online lending platform.

September 16, 2025

Compliance

DeFi vs CeFi Lending: What’s the Difference and Which One Is Better?

September 16, 2025

FAQ

Your crypto loan
questions answered

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.

Are there limits to how much I can borrow?

APX Lending. ‍

What are the eligibility criteria for obtaining a loan?

APX Lending. ‍

Which countries do you operate in?

APX Lending. ‍

Where is my collateral stored?

APX Lending. ‍

How quickly do I get my funds?

APX Lending. ‍

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 .

Bitcoin-backed loansfor every borrower

Loan calculator

See what you can borrow

Insights for every stack

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

Is APX Lending Safe? What You Need to Know

DeFi vs CeFi Lending: What’s the Difference and Which One Is Better?

Bitcoin-backed loans
for every borrower