Crypto-Backed Business Lending

Bitnob Lending is a crypto-collateralised loan product that enables businesses to access fast working capital without selling their digital assets. Businesses deposit BTC, USDT, or USDC as collateral and receive stablecoin or fiat-equivalent funds within minutes — with no paperwork and instant approval.

Service Overview

Bitnob's lending product is designed for businesses holding crypto reserves that need liquidity without liquidating their positions. Loan terms, collateral requirements, APR, and risk level are all displayed upfront with no hidden fees. Repayment is managed directly through the Bitnob business dashboard, with early repayment supported.

Key Features

• Supported collateral: BTC, USDT, USDC and other supported digital assets
• Instant approval: Access funds within minutes after depositing collateral
• Transparent terms: Loan amount, collateral amount, APR, period, and risk level displayed upfront
• Dashboard repayment: Track and repay loans directly from the Bitnob business dashboard
• Early repayment supported with no penalties
• Enterprise-grade security for collateral management
• 24/7 support available throughout the loan lifecycle

Lending API

The Bitnob Lending API enables fintechs and developers to embed crypto-backed lending into their own platforms, making it straightforward to offer lending features to end customers.

Who Uses This

African SMEs and enterprises holding crypto reserves that need working capital without liquidating assets, and fintech developers building lending features for their customers across Nigeria, Kenya, Ghana, and 12+ other markets.