9.75% APR | Zero Fees | No Monthly Payments
Apply for a Loan → Apply for a Loan → Apply for a Loan →For Bitcoiners, By Bitcoiners
[VIDEO PLAYER: Placeholder for Vimeo/Wistia Embed]
In this 3-minute video, BitBacked co-founder Noah Houghton shares the costly decision that led him to build a better solution for Bitcoiners who need capital but refuse to sell.
You'll discover:
What you pay in **Origination Fees** with BitBacked vs. traditional competitors. [cite: 170]
Maximum **Loan Term** for flexibility with BitBacked vs. most CeFi lenders. [cite: 172]
How fast we **fund** your loan vs. the waiting period with traditional banks. [cite: 174]
Your **interest rate** vs. what you would pay in **capital gains taxes** if you sold. [cite: 176]
We are built on transparency and value. Our terms are designed to save you money, time, and Bitcoin.
Fill out our simple application at BitBacked.com. Takes 5 minutes. Tell us how much capital you need and your preferred loan term.
→ No credit check required
We call you within 24 hours to structure your loan. We'll discuss the amount, terms, and timeline that work for your situation.
→ Real people, not algorithms
Send your Bitcoin to secure custody with Gemini. Your collateral is held in segregated storage and never rehypothecated.
→ Institutional-grade security
Receive your funds within 24 hours. Access capital in USD, USDC, or your preferred currency while your Bitcoin stays protected.
→ Same-day funding typical
Selling Bitcoin: Pay 20 to 37 percent in capital gains taxes[cite: 128].
BitBacked loan: Zero taxes triggered. You access your wealth without creating a taxable event[cite: 128].
Selling Bitcoin: Miss all future appreciation[cite: 129].
BitBacked loan: Full exposure maintained. Your stack stays intact[cite: 129].
Traditional banks: Weeks of waiting[cite: 130].
BitBacked loan: Funding within twenty four hours, so you can seize opportunities[cite: 130].
Traditional lending: Credit checks and score impact[cite: 131].
BitBacked loan: Approval based only on your Bitcoin[cite: 131].
Traditional loans: Monthly payments and penalties[cite: 132].
BitBacked loan: No monthly payments and easy extensions[cite: 132].
Some lenders: Commingled or risky custody[cite: 133].
BitBacked loan: Segregated custody with Gemini and Fireblocks[cite: 133].
Flip to see the cost of selling vs. borrowing.
Selling Bitcoin: Pay 20 to 37 percent in capital gains taxes.
BitBacked loan: Zero taxes triggered. Access your wealth without a taxable event.
Flip to see how you maintain full exposure.
Selling Bitcoin: Miss all future appreciation.
BitBacked loan: Full Bitcoin exposure maintained. Your stack stays intact.
Flip to compare funding speed.
Traditional banks: Weeks of waiting.
BitBacked loan: Funding within twenty four hours.
Flip to see the approval requirements.
Traditional lending: Credit checks and score impact.
BitBacked loan: Approval based only on your Bitcoin's value.
Flip to see the payment terms.
Traditional loans: Monthly payments and penalties.
BitBacked loan: No monthly payments and zero penalties.
Flip to learn about asset security.
Some lenders: Commingled or risky custody.
BitBacked loan: Segregated custody with Gemini and Fireblocks.
Selling Bitcoin: Pay 20 to 37 percent in capital gains taxes.
BitBacked loan: Zero taxes triggered. You access your wealth without creating a taxable event.
Selling Bitcoin: Miss all future appreciation.
BitBacked loan: Full Bitcoin exposure maintained. Your stack stays intact.
Traditional banks: Weeks of waiting.
BitBacked loan: Funding within twenty four hours, so you can seize opportunities.
Traditional lending: Credit checks and score impact.
BitBacked loan: Approval based only on your Bitcoin's value.
Traditional loans: Monthly payments and penalties.
BitBacked loan: No monthly payments, zero penalties, and easy extensions.
Some lenders: Commingled or risky custody.
BitBacked loan: Segregated custody with Gemini and Fireblocks; never rehypothecated.
Purchase property without selling your Bitcoin position. Keep your long-term exposure while accessing capital for down payments or full purchases.
Learn More →Fund growth opportunities without liquidating your holdings. Access capital quickly for time-sensitive business needs.
Learn More →Use our Double Your Bitcoin product to increase your position. Borrow at 50% LTV and expand your long-term holdings.
Apply Now →— Noah Houghton, Co-Founder
In 2022, I needed capital for real estate in El Salvador. I had Bitcoin, but traditional banks wouldn't lend to me.
So I did what I thought I had to do. **I sold Bitcoin at $60K**.
Three months later, Bitcoin hit $95K.
I **lost over $300K in potential gains**. I paid massive capital gains taxes. And worst of all, I betrayed my own conviction.
I sat with that regret for months. And I realized: **no Bitcoiner should ever have to make the choice I made**.
BitBacked isn't an algorithm. You work directly with us.
We understand your situation because we've lived it.
We've done it. We know that market inside out, and we can guide you through the process.
We'll build it with you. Every high-net-worth situation is different, and we ensure the loan fits your strategy.
We're here. Real people who actually understand Bitcoin, liquidation risk, and hedge strategies.
Because we're Bitcoiners serving Bitcoiners. We **lived the problem**. We built the solution.
We believe in full transparency. Here are the risks involved and the proactive measures we take to protect your assets.
Volatility can increase your loan-to-value ratio and create **liquidation risk** if the Bitcoin price declines significantly. [cite: 199]
We use a conservative **50% LTV** and provide **proactive margin calls** to help you manage this risk. [cite: 200]
**Interest accrues** at **9.75% APR** throughout your loan term. This isn't a free ride—a clear repayment strategy is vital. [cite: 201]
We offer **flexible terms up to 36 months** (3x longer than most) and **zero early repayment penalties** to aid your strategy. [cite: 96, 98]
**Leverage amplifies** both gains and losses if you use the Double Your Bitcoin product. This is an advanced strategy. [cite: 202]
This product is best suited for **sophisticated investors with financial stability**. We structure a loan that makes sense for your situation. [cite: 203, 204]
Our goal is to help you understand these risks and structure a loan that makes sense for your situation. We're a partnership, not just a platform. [cite: 182, 204]
Your Savings on Fees
What you pay in **origination fees** with us vs. competitors.
Maximum Loan Term
How long your loan term can be with us vs. most CeFi lenders (**months**).
Speed to Funding
How fast we fund (**hours**) vs. traditional banks (**weeks**).
Effective Cost
What you pay in **interest (APR)** vs. what you'd pay in **capital gains taxes**.
Purchase property for down payments or full purchases **without selling your Bitcoin position**. Keep your long-term exposure while accessing capital.
Expertise in El Salvador.
Fund growth opportunities, equipment, or inventory **without liquidating your holdings**. Access capital quickly for time-sensitive business needs.
Fast funding in 24 hours.
Use our **Double Your Bitcoin product** to increase your position. Borrow at 50% LTV to expand your long-term holdings.
Best for sophisticated investors.
BitBacked isn't an algorithm. You work directly with us. [cite: 1091] We understand your situation because we've lived it.
We've done it. We know that market inside out, and we can guide you through the process. [cite: 1093]
We'll build it with you. Every high-net-worth situation is different, and we ensure the loan fits your strategy. [cite: 1095]
We're here. Real people who actually understand Bitcoin, liquidation risk, and hedge strategies. [cite: 1097]
Because we're Bitcoiners serving Bitcoiners. We lived the problem. We built the solution.
BitBacked isn't an algorithm. You work directly with us. We understand your situation because we've lived it.
We've done it. We know that market inside out, and we can guide you through the process.
→ Local ExpertiseWe'll build it with you. Every high-net-worth situation is different, and we ensure the loan fits your strategy.
→ Personal ConsultationWe're here. Real people who actually understand Bitcoin, liquidation risk, and hedge strategies.
→ Risk TransparencyBecause we're Bitcoiners serving Bitcoiners. We lived the problem. We built the solution.
No credit checks. No monthly payments. Just a fast, dependable path to access capital.
5-minute application at BitBacked.com. Tell us your loan amount and preferred term.
→ No credit check requiredWe call within 24 hours to discuss amount, terms, and timeline that work for your situation.
→ Real people, not algorithmsTransfer to secure Gemini custody. Segregated storage, never rehypothecated.
→ Institutional-grade securityReceive funds within 24 hours in USD, USDC, or your preferred currency.
→ Same-day funding typicalYour Bitcoin
Secure custody with Gemini & Fireblocks
50% LTV
Borrow up to half your Bitcoin's value
Cash to you
USD, USDC, or your preferred currency
24 hours
Typical funding time
We believe in full transparency. Bitcoin-backed lending involves risks you should understand:
**Bitcoin volatility** can increase your loan-to-value ratio and create liquidation risk if the price declines significantly[cite: 1106, 1349]. We use a conservative 50% LTV and provide proactive margin calls to help you manage this risk[cite: 1107, 1350].
**Interest accrues** at 9.75% APR throughout your loan term[cite: 1108, 1351]. Make sure you have a clear repayment strategy.
**Leverage amplifies** both gains and losses if you're using the Double Your Bitcoin product[cite: 1109, 1352]. This product is best suited for sophisticated investors with financial stability[cite: 1110, 1353].
We're here to help you understand these risks and structure a loan that makes sense for your situation[cite: 1111, 1354].