# BtcLoan.org

> Independent affiliate website that helps bitcoin holders access dollar liquidity by borrowing against their BTC, ETH, or SOL without selling. All loans are originated and serviced by Arch Lending Inc. BtcLoan.org earns an affiliate commission on loans it refers to Arch.

BtcLoan.org is an informational and affiliate marketing website. It is not a lender, does not hold or custody assets, and does not provide financial, legal, or tax advice.

## Key facts

- **Partner lender:** Arch Lending Inc. (archlending.com)
- **Affiliate link:** https://app.archlending.com/affiliate/btcloans
- **Collateral accepted:** Bitcoin (BTC), Ethereum (ETH), Solana (SOL)
- **Starting APR:** 7.25% (BTC, $5M+ loans); 10.49% for loans under $250K
- **Max LTV:** 60% (BTC), 55% (ETH), 45% (SOL)
- **Loan sizes:** $1,000 – $5M+ (custom pricing above $5M)
- **Terms:** 12-month auto-rolling; up to 24 months
- **Custody:** Anchorage Digital Bank (federally chartered, segregated wallets, $100M Lloyd's insurance)
- **No credit check required**
- **Not a taxable event** (borrowing is not a sale — consult a CPA)
- **No rehypothecation** of collateral

## Rate tiers (current as of June 2026)

| Loan size        | APR    |
|------------------|--------|
| Under $250K      | 10.49% |
| $250K – $750K    | 9.99%  |
| $750K – $2M      | 8.99%  |
| $2M – $5M        | 8.24%  |
| $5M+             | 7.25%  |

Origination fee is included in APR. No separate origination calculation.

## How the loan process works

1. Configure loan on BtcLoan.org calculator (collateral value, LTV, term)
2. Apply at Arch Lending via affiliate link — no credit pull at this stage
3. Complete KYC and document signing through Arch's portal
4. Deposit BTC/ETH/SOL to segregated Anchorage Digital wallet
5. Receive USD wire or USDC on-chain
6. Repay at any time with no prepayment penalty; collateral returned at payoff

## Disclosures

- BtcLoan.org is an affiliate partner of Arch Lending and earns commission on referred loans
- Not affiliated with, owned by, or operated by Arch Lending Inc.
- All rates subject to change; final terms set by Arch during underwriting
- State availability varies — check with Arch during application
- Comparison data for Ledn, Strike, Unchained, Nexo sourced from public pricing pages

## Pages

- [Home / Calculator](https://btcloan.org/) — Main landing page with interactive loan calculator, rate tiers, how-it-works, lender comparison, and FAQ

## Optional

[Full page content](https://btcloan.org/llms-full.txt)