Crypto-Backed Loans

Unlock liquidity without selling crypto.

1

Complete the form

Answer a few questions for us to understand your business' needs

2

We compare 100+ lenders

We will advise which options could be suitable for your business

3

You choose the offer that best suits you

We'll present any offers available for your business. You choose the one that best suits your business.

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Please note the minimum requirement is £5,000.

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What is Crypto-Backed Loans?

A crypto-backed loan allows businesses or individuals to borrow cash by using cryptocurrency holdings as collateral. Instead of selling crypto assets, borrowers pledge them to secure liquidity while retaining ownership.

Types of Crypto-Backed Loans

Options include overcollateralised loans (where more crypto than the loan amount is pledged), stablecoin loans, and centralised vs. decentralised (DeFi) lending platforms. Some facilities allow borrowing in fiat currency, while others issue loans in stablecoins.

Define Your Funding Need

Cash flow gaps, purchasing stock, funding expansion, managing seasonal fluctuations, supporting international trade, or other.

Choose the Right Funding Product

Each type of business funding works differently and comes with its benefits.

Submit Your Application

Provide details about your business.

Let the Experts Compare Options

We’ll present you with a broker to get the best available options for your business.

Review Offers

You can then decide which offer works best for your business.

Compare Business Funding Deals Today

At Compare Business Funding, we make it easy to compare all debt options from leading UK lenders.

Whether you're looking for business loans, asset finance, invoice finance, property finance, or international trade and expansion funding, our specialised partners, expert business finance brokers, help you find the best deal for your business, saving you time, money, and hassle.

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Quick online quotes

Transparent fees and terms

Wide range of finance providers

No-obligation comparisons

Benefits of Crypto-Backed Loans

They allow borrowers to unlock liquidity without selling crypto, potentially avoiding capital gains tax. They provide fast access to funding and are often available with fewer credit checks compared to traditional loans.

Used by crypto investors, start-ups needing liquidity, or businesses that accept crypto payments and want to convert holdings into working capital.

Things You Need to Know

Crypto loans carry volatility risk. If the value of the collateral falls significantly, borrowers may face margin calls and be required to top up collateral or risk liquidation.

FAQs

Do I need good credit to get a crypto loan?

No, collateral is more important than credit history.

Can I borrow in GBP or USD?

Yes, many providers offer fiat lending.

What happens if crypto prices drop?

You may face a margin call and risk liquidation.

Are interest rates fixed?

They vary depending on platform and collateral.

Is it regulated?

Regulation is still developing and varies by jurisdiction.

Disclaimer: Compare Business Funding helps UK firms find the right finance credit broker for access to business finance. Compare finds credit brokers, not lenders. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  

This website is operated by Spark Finance. Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  Spark Finance may receive commission from lenders  which may vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).