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Bitcoin-Backed Loans for Business Cash Flow

Payroll before the invoices clear, stock before the busy season. Borrow against your Bitcoin to keep the business moving, without selling it.

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Why borrow against Bitcoin

Steady cash flow, without selling your Bitcoin

Plenty of good businesses are short on timing rather than value. Customers pay in 60 days, wages are due in 14, and the quiet months come round every year.

A Bitcoin-backed commercial loan uses your Bitcoin as security for a fixed-rate loan in Australian dollars, for business purposes only. The Bitcoin is held in a segregated wallet uniquely generated for you and released once the loan is repaid in full.

It can bridge the gap between money going out and money coming in. Plan how the loan will be repaid at the end of its term. If the price of Bitcoin falls, you may need to add collateral or pay down the loan, and if you do not, some or all of your Bitcoin can be sold to cover what you owe.

Use cases

Gaps it can help fill

A fixed-rate commercial loan for business purposes, secured by your Bitcoin. Some of the ways it can help:

Working capital
Cash flow gaps
Seasonal cash flow
Payroll in a slow month
Waiting on unpaid invoices
Bridging an R&D tax incentive refund
Supplier early-payment discounts
Inventory and stock
Restructuring business debt
Farming through a dry season
Hospitality off-season
E-commerce peak-season stock
Construction progress payments
Film and event production

The product

How it works

Loan terms

Maximum starting LVR: 50%
Term: 12 months
Rate: Fixed
Repayments: Quarterly, interest only
Minimum loan: $2,000 AUD
Collateral: Never reused

*Rates and terms are subject to change. Other terms and conditions may apply. Comparison Rate is 16.20% p.a. The comparison rate is based on a $5,000 secured loan for a term of 12 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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