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Crypto-Collateralized Business Financing

BTC-Backed Business Loans — Unlock Capital Without Selling Your Bitcoin

Use your Bitcoin holdings as collateral to access fast business funding with no loan minimum or maximum. Keep your crypto, grow your business.

No credit score impact

BTC Loan Programs

Choose the program that fits your funding needs and Bitcoin holdings.

Standard BTC Loan

No loan minimum or maximum

Terms: 6–24 months

Rates: Varies by lender and profile

  • Use Bitcoin as collateral — no need to sell your holdings
  • Loan-to-value ratio up to 50% of your BTC holdings
  • Fixed monthly payments
  • Funding timing depends on lender review and documentation
  • Minimum 0.5 BTC collateral required

High-Value BTC Loan

No loan minimum or maximum

Terms: 1–3 years

Rates: Varies by lender and profile

  • Designed for larger capital needs backed by significant BTC holdings
  • LTV up to 60% with additional business revenue qualification
  • Dedicated account manager for personalized service
  • Flexible repayment structures available
  • Interest-only payment options for the first 6 months

BTC Flash Loan

No loan minimum or maximum

Terms: 3–12 months

Rates: Varies by lender and profile

  • Funding timing depends on the lender and product
  • Minimal documentation required beyond proof of BTC ownership
  • Ideal for urgent business opportunities or short-term needs
  • Automatic margin call protection with flexible top-up options
  • No personal credit score minimum required

Why Get a BTC-Backed Loan Through Pro Capital?

Keep Your Bitcoin

Access capital without selling your BTC. Your holdings are returned in full when the loan is repaid.

Institutional-Grade Custody

Your Bitcoin collateral is stored in insured, segregated custodial wallets with the highest security standards.

No Hard Credit Pull

We use a soft credit check to evaluate your options — your credit score stays fully protected, and there is no hard pull.

Fast Funding

Funding timing depends on the lender, product, documentation, and eligibility.

BTC-Backed Loan FAQs

Common questions about Bitcoin-collateralized business loans.

You pledge your Bitcoin as collateral in a secure custodial wallet. Based on the value of your BTC, you receive a business loan deposited directly to your bank account. Your Bitcoin is returned when the loan is repaid in full.

If BTC's value drops below a certain threshold (margin call level), you'll be notified and given the option to add more collateral or make a partial repayment. We work with you to avoid liquidation whenever possible.

Yes. All collateral is held in institutional-grade custodial wallets with insurance coverage. Your BTC is fully segregated and returned to you upon loan repayment.

Credit requirements are significantly lower than traditional loans since your Bitcoin serves as collateral. Some programs have no minimum credit score requirement at all.

Currently, we primarily accept Bitcoin (BTC) as collateral. Contact us to discuss options for other major cryptocurrencies like Ethereum.

No. Pro Capital uses a soft credit pull to evaluate your options — your credit score stays fully protected, and there is no hard pull.

Explore more financing options: Small Business Loans · Term Loans · Lines of Credit · PO Financing · SBA Loans

Ready to Unlock Your Bitcoin's Potential?

It takes less than 60 seconds to apply. No obligation, and no impact to your credit score.