Three new lenders in our network now accept Bitcoin and Ethereum as loan collateral at up to 60% loan-to-value. Twelve months ago, the best available was 40% LTV with punitive margin call terms. If you hold significant crypto and need liquidity without selling, this is the window.
Why this matters
Selling crypto to access capital means crystallising a tax event and losing future upside. For holders who believe in the long-term trajectory of their position, borrowing against it is the rational play. The problem has always been the terms: low LTVs, aggressive margin calls, and lenders who did not truly understand digital assets.
Institutional lenders are now entering the space with products designed for serious holders, not retail speculators. The terms reflect this.
Then vs now
| 12 months ago | Today | |
|---|---|---|
| Max LTV | 40% | 60% |
| Collateral accepted | BTC only | BTC, ETH, select stablecoins |
| Minimum loan | GBP 500K | GBP 100K |
| Margin call buffer | 10% drop triggers | 25-30% buffer |
| Custody | Lender-controlled | Regulated third-party custodian |
| Completion time | 4-6 weeks | 10-14 days |
Recent completion
GBP 1.5M loan against Bitcoin holdings
60%
LTV
5.8%
Annual rate
12 days
To drawdown
Client held a significant Bitcoin position and needed GBP liquidity for a property acquisition. Selling would have triggered a substantial capital gains liability. We secured a 12-month facility at 60% LTV with a regulated custodian holding the collateral. The client retained full upside on their BTC position and completed the property purchase on time.
Who this is for
This is relevant if you hold GBP 250K or more in Bitcoin, Ethereum, or a combination of digital assets and need liquidity for any purpose: property acquisition, business investment, portfolio diversification, or bridging a cash flow gap.
It is not for traders or speculators. The lenders we work with are looking for serious holders with a clear use of funds and a credible repayment plan.
Want to explore this?
I can give you an indication of what terms would look like for your specific holding in a single conversation. No forms, no credit checks, no obligation. Just a straight answer.
Paul Welch
Founder, MillionPlus. 20+ years in bespoke asset-backed finance.