> Commercial Lending

Commercial Lending

Unlock cashflow with your crypto

B4Finance Commercial Lending

So you’ve been hodling, trading, and yielding for a while, and now your wallet is looking pretty healthy.

When it comes to day-to-day life, though, what can you do with it? Capital gains make it expensive to spend or sell your assets, and DeFi can be pretty volatile for long-term use. There has to be a solution.

Whether you need immediate funds for car maintenance, or you’re looking for a stable platform from which to structure your next big move back into the market, B4Finance allows you to borrow against your crypto at stable rates over long periods.

Our unique lending protocol means you don’t pay anything at all until the loan matures, so you’ve got plenty of time to either get back on your feet – or use your new liquidity to notch up some more gains.

Click below for an obligation free quote using the B4Finance Lending Calculator

Find Out What You Can Get

Must know info

What are the details?

3.75%

Our fixed rates start at just 3.75% over five years. If you know where you stand, you can plan for the future.

65% LTV

Industry-leading LTV ratios reach 65%, which mean that you unlock more value right now - when you need it most.

100% Upside

Complete upside potential. If you don't think we've hit an ATH for BTC, ETH, LTC or BCH yet - we'll help make sure you're there when it happens.

18 - 60 Months

Loan terms available from one to five years. Pick the option that works best for your situation.

Quarterly

Quarterly – interest-only payments are made quarterly in arrears, for predictable and affordable cashflow management

Zero

No personal guarantees, additional security or financial statements required. If you have crypto, you're good to go.

5 - 14 Days

As little a 5 -14 days for the approval and funding process - get your money when you need it most.

$1B

Capital available for immediate financing.

Step-by-step breakdown

Like it broken down further?

Step One

Deposit your crypto as collateral, at industry-leading ratios of up to 65% LVR and fixed interest rates as low as 3.75

Step Two

Receive AUD in your account in just a few days – ready for your next purchase or reinvestment strategy.

Step Three

Service only the interest payable on your loan in quarterly installments, while using your unlocked liquidity to reinvest and grow

Step Four

At the end of the loan term, simply repay the outstanding balance and receive your crypto back in full – including any potential gains made along the way.

Get financed today

Simple. Transparent. Secure.

Find Out What You Can Get

How does it look in practice?

Imagine Teddy...

Teddy is the owner of a small transport and logistics company, with several vans and light trucks on the road most days.

Whilst business is usually good, Teddy was impacted quite a lot by lockdowns and restrictions – which caused Teddy to be chipping into his savings just to make sure his doors stayed open.

Luckily things are starting to bounce back now – until today when two of his trucks have broken down. He’s needed to replace them for a while, but the problem is that Teddy doesn’t have a spare $200,000 laying around to buy those shiny new rigs he’s had his eye on.

Fortunately for Teddy, he came across B4Finance Business Loans, and has $320,000 worth of BTC which he can use as collateral to access the funds he needs to buy the vehicles. Teddy is thrilled because he was able to quickly organise the funds he needs to purchase equipment for his business – and the best part is that he didn’t need to sell his BTC.

This worked out perfectly for Teddy because, with zero credit checks, his business’s credit rating remained unaffected. And with low fixed rates, flexible terms, and zero repayments until maturity, he has plenty of time to build his cashflow back up by doing what he does best – hitting the road and helping to keep Australia moving.

Get financed today

Simple. Transparent. Secure.

Find Out What You Can Get

Important information

Frequently Asked Questions

  • The borrower has 100% upside potential - which means that the entirety of your collateralised crypto is released back to you once the original loan has matured, including any gains.

  • The property loan is subject to all standard due diligence and serviceability checks, and the property remains under mortgage for the term of the loan (as standard) - but as the crypto loan is over-collateralised, it issued without recourse, meaning no additional checks or guarantees are required.

  • If the value of the crypto collateral drops to less than 70% of the value on the date of issue, a margin call is issued and borrowers have five days to add additional capital. If borrowers are unable to make this payment, the collateral is liquidated and any remaining excess is returned to the borrower.

  • Please press the terms and conditions link in the footer of this page to read all the details.