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Compliant crypto-backed lending
Secure, compliant lending for individuals and institutions.
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Lending options for retail and high-net-worth users.
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Check borrowing power, LTV, and liquidation buffer.
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CSA-compliant lending made safe, fast, and flexible.
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New Release
Get started with our new product release today

Borrow against your Bitcoin.
Low rates. Real support. Trusted.

Borrow against your Bitcoin. Low rates. Real support. Trusted.

Borrow funds fast while BTC or ETH stay put - no sale, no capital-gains hit, and no credit check
Apply now
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.
S
Scott Smith
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.
L
Lazaros Dimitriou
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.
K
Klimowicz Dorota
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.
S
Scott Smith
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.
L
Lazaros Dimitriou
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.
K
Klimowicz Dorota

Loan calculator

See what you can borrow

I have
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≈ 108.103 CAD
I can borrow up to
Loam amount
0
Term
Up to 60 mo
60 mo
Interest rate from
9.99%
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Why APX Lending?
Apply now

Trusted.

World’s only CSA-compliant crypto lender. FINTRAC & FinCEN registered, SOC 2 attested.

Easy to use.

Onboard, verify, and borrow fast—no paperwork, no ping-pong.

No credit checks.

Your crypto is your collateral—your credit score stays untouched.

Flexible as Bitcoin-backed credit.

Borrow 3–60 months. Swipe to adjust LTV. Repay early, redraw anytime—no penalties, no calls.

On-chain proof of reserves.

Segregated and insured cold storage custody that’s visible onchain 24/7
How it works?
Apply in minutes
Use your email, choose 3–60-month terms, at up to 60 % LTV. Submit your documents, and get pre-qualified.
Apply now
Approve & deposit
E-sign the loan, then send your crypto to your secure and dedicated APX wallet.
Apply now
Get funded fast
Once collateral lands, your cash is released right away. CAD or USD wires typically arrive within 3-24 hours. USDC loans are processed within 3 hours.
Apply now
Trusted by the best
Explore personal lending
Cash out without cashing in your Bitcoin
Borrow against BTC or ETH with low rates and a CSA-compliant platform—no selling, no credit check.
Explore now
Private client lending
Institutional-grade lending, minus the friction
CSA-compliant, cold-stored, and fully visible—get seven-figure liquidity with total control and low, fixed APR.
Explore now
White-label platform
Add crypto lending to your business—without building a lender
Your brand on top; APX handles custody, compliance, and credit via API or hosted UI.
Explore now

Our Latest Articles

View all articles
Compliance

Is APX Lending Safe? What You Need to Know

September 13, 2025
Read more
Compliance

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

September 13, 2025
Read more
Compliance

Balance Integrates APX Lending to Enable Digital Asset-Backed Loans from Custody

June 6, 2025
Read more
Got questions?
We've got answers
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?
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 are the eligibility criteria for obtaining a loan?
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.
Which countries do you operate in?
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.
Where is my collateral stored?
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.
How quickly do I get my funds?
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.
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