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Instant Liquidity

Bitcoin Collateralized Loans

We offer flexible loan terms. Apply for a personal loan today and keep your cryptocurrency for future gains.

CL small logo (2018-09-24T19_41_08.289)

Borrow up to 40% of the value of your collateral

CL small logo (2018-09-24T19_41_08.289)

Personal loans from $500 to $35,000

CL small logo (2018-09-24T19_41_08.289)

Loan duration from 6 to 24 months

CL small logo (2018-09-24T19_41_08.289)

Interest rates starting at 12%

Benefits of Crypto-Backed Loans

Deferred Tax Liability

Avoid less than optimal tax events by taking out a loan, Instead of selling your crypto assets.

No Credit Check

We look beyond your credit score. Posting collateral is all an eligible borrower must do in order to obtain a loan.

HODL

Investors can hold ("HODL") their crypto assets for future gains while getting immediate access to liquidity.

Flexible Terms

Choose a loan that works for your needs and use the funds the way you want. Borrow from $500 up to $35,000.

Secure

State-of-the-art security and encryption. Your information and collateral will be safe with us.

No prepayment penalty

You can pay your outstanding balance in full at any time with no prepayment penalties. 

Crypto Lending gives you the liquidity you want from your cryptoassets

Are you experiencing long delays withdrawing funds from Crypto Exchanges?

Do you need cash now but don't want to sell your crypto assets?

Do you want to unlock the value of your crypto holdings?

AT CRYPTO LENDING, WE ALLOW INVESTORS TO MAINTAIN A LONG-TERM POSITION IN THEIR DIGITAL ASSETS, WHILE GETTING IMMEDIATE ACCESS TO LIQUIDITY

Here is an Example

So you want to unlock your digital wealth? Assuming the price of Bitcoin is $10,000 CAD and you want to borrow $5,000, here is how the loan would look.

Loan Amount

$5,000

Loan-to-Value Ratio

20%

Required Collateral

2.5 BTC

Monthly Payment

$235

Loan Duration

24 Months

Annual Interest Rate

12%

Pricing is illustrative and does not constitute an offer. Other fees may apply.

Tell Me More About LTV & Margin Calls

A loan's LTV (loan-to-value) ratio determines the amount of crypto collateral you need to post in order to obtain a loan. In general, collateralized loans require customers to give the lender an asset, in our case bitcoin (BTC). We hold your asset until your loan is paid off, then it's returned to you.

Throughout the life of the loan, our platform continuously monitors the value of your collateral. A "Margin Call" occurs when the collateral value falls below the set LTV ratio based on the outstanding principal of the loan.

We recommend a low LTV not just for the lower interest rates, but to ensure that we would never be required to execute a Margin Call if the value of your crypto falls dramatically.

FREQUENTLY ASKED QUESTIONS

DO I STILL OWN MY CRYPTOCURRENCY?

Yes. The cryptocurrency that you use as collateral still belongs to you. We simply hold your collateral in our secure cold storage vault during the life of the loan. When you complete your loan agreement, your collateral is returned to you.

WHAT HAPPENS IF THE MARKET VALUE OF MY CRYPTOCURRENCY CHANGES?

If the value of your cryptocurrency rises, you don't have to do anything. Once your outstanding loan is repaid in full, you will receive your collateral back and you retain its market value. 

If the value of your cryptocurrency falls on the other hand and breaches the agreed upon loan-to-value (LTV) threshold, a "margin call" will be triggered. You will be given an opportunity to either; add additional collateral, or make an additional principal payment, bringing your LTV below set threshold. 

WHERE IS MY CRYPTOCURRENCY HELD FOR THE DURATION OF THE LOAN?

Crypto Lending uses 100% cold storage ensuring that your crypto assets remain secure. Your private keys will never be stored on our website.

WILL APPLYING FOR A LOAN AFFECT MY CREDIT SCORE?

No, we do not perform a credit check when you apply for a loan through Crypto Lending. We do not report loans to any third parties.

CAN I PAY OFF MY LOAN EARLY?

Yes. You can pay your outstanding balance in full at any time with no prepayment penalties. 

WANT TO STAY IN TOUCH WITH US?

About Crypto Lending Inc.

Crypto Lending brings incremental liquidity to the Canadian crypto ecosystem by creating debt and credit products. Based in Toronto, our company offers the ability to leverage Bitcoin to obtain CAD loans. We are transforming the way Canadians leverage their crypto assets.

© 2019 Crypto Lending Inc. All Rights Reserved.