Crypto-Backed Finance

Crypto-Backed Finance

Cryptocurrency has become a valuable asset class, but traditional financial institutions often struggle to accommodate it within lending structures. Crypto-backed finance unlocks liquidity by allowing individuals and businesses to leverage their digital assets as collateral without needing to sell them.

This form of lending provides quick access to capital while enabling borrowers to retain potential upside in their crypto holdings. Whether you need funding for property investment, business growth, or other opportunities, crypto-backed loans offer a flexible solution without requiring traditional income verification or credit assessments.

Crypto-backed lending remains a niche market with only a handful of specialist lenders, each with unique criteria and risk appetites.

 Navigating this landscape alone can be challenging, but we know which lenders to approach, giving you the strongest chance of approval on the most favourable terms.

Product Highlights

Loan Size: £50,000 – £15 million
LTV: Up to 70% of crypto value
Collateral: Bitcoin, Ethereum, Monero and Major Stable Coins
Loan Term: 3 – 36 months
Interest Rates: From 0.75% per month
Loan Currencies: GBP, USD, EUR, BTC, XMR and stablecoins
No Credit Checks: Approval based on collateral, not credit history
Fast Access to Funds: Loans arranged within days
Flexible Repayment Options: Interest-only, rolled, or structured payments
Cold Storage Security: Crypto held in insured custody during loan term
Private & Discreet: No Public Credit record or lender visibility

Leverage your cryptocurrency holdings to finance property acquisitions without liquidating your assets. Our crypto-backed loans provide fast access to capital, allowing investors to seize opportunities in residential and commercial real estate while maintaining exposure to the crypto market. Whether you’re purchasing, refinancing, or raising liquidity for other investments, we structure secure and flexible solutions to match your needs.

Leverage your cryptocurrency holdings to finance property acquisitions without liquidating your assets. Our crypto-backed loans provide fast access to capital, allowing investors to seize opportunities in residential and commercial real estate while maintaining exposure to the crypto market. Whether you’re purchasing, refinancing, or raising liquidity for other investments, we structure secure and flexible solutions to match your needs.

Unlock capital for your business without selling your digital assets. Our crypto-backed business loans provide fast, flexible funding for expansion, cash flow management, or strategic investments.

Unlock capital for your business without selling your digital assets. Our crypto-backed business loans provide fast, flexible funding for expansion, cash flow management, or strategic investments.

Bespoke finance solutions for high-net-worth individuals and overseas clients, including those with complex income structures or offshore holdings. Whether you’re acquiring prime UK property, refinancing assets, or seeking tailored lending options, we navigate jurisdictional challenges and non-standard profiles to secure the right funding on competitive terms.

Bespoke finance solutions for high-net-worth individuals and overseas clients, including those with complex income structures or offshore holdings. Whether you’re acquiring prime UK property, refinancing assets, or seeking tailored lending options, we navigate jurisdictional challenges and non-standard profiles to secure the right funding on competitive terms.

Case Study

Capital Raise Against Large Crypto Wallet for House Purchase

Challenge:

A client approached Longstride Capital Advisory with the opportunity to purchase a £800,000 residential property as part of a strategic investment in a high-growth commuter belt area. The client held a substantial cryptocurrency portfolio but faced difficulties accessing traditional finance due to the volatility and limited acceptance of digital assets by mainstream lenders.

Our client did not want to sell his crypto holding as he would be subject to pay substantial Capital Gains tax and also be subject to fees to off ramp from the Centralised Exchange. Also, he believed that crypto would continue to increase and didn’t want to miss out on the potential upside of still owning his crypto.

Solution:

Longstride Capital Advisory arranged a crypto-backed bridging facility for the client, leveraging their digital asset portfolio as collateral. This innovative structure enabled the client to retain ownership of their crypto while using it to secure a property purchase. The bridging loan, which offered a 75% loan-to-value (LTV) ratio, equated to £600,000 and was secured against a wallet held in custody with a regulated partner. The facility featured a serviced interest rate of 1.05% per month, with a 9-month term, ensuring the client could access the necessary funds quickly. Importantly, there was no requirement to convert the crypto into fiat currency, preserving the client’s long-term investment position.

Outcomes

The client was able to unlock liquidity from their cryptocurrency portfolio without the need to liquidate any assets, preserving their long-term investment position. The crypto-backed facility allowed the purchase to complete swiftly, meeting the vendor’s deadline and avoiding delays typically associated with traditional lending routes. With the acquisition finalised, the client is now well-positioned to transition onto a conventional long-term mortgage, supported by a clean title and standard income documentation.