Crypto Business Loans Without Selling Your Treasury
Why Companies Borrow Against Crypto With Clapp
Terms Built Around You
Every corporate line is underwritten individually. Rate, limit and LTV follow your collateral and your cash flow, not a fixed retail tier.
Lower Risk, Lower Rate
Pricing reflects risk. Keep a conservative LTV or pledge highly liquid collateral such as BTC or stablecoins, and the rate goes down.
One Basket of Collateral
Secure the line with BTC, ETH, stablecoins and selected altcoins together. Diversified portfolios of top 50 assets are reviewed case by case.
Pay for What You Draw
Interest runs only on the amount you actually use. Repay part or all of it whenever cash flow allows, with no prepayment penalty.
Euros or Stablecoins
Receive funds in EUR via SEPA Instant or as a stablecoin transfer, typically on the same business day once terms are agreed and onboarding is complete.
Institutional Custody
Collateral is held with institutional custody secured by Fireblocks, whose MPC technology removes single points of failure.
What Is a Crypto Business Loan?
For corporate treasuries
Companies that keep part of their reserves in BTC or ETH and need euros for operations without reducing the position.
For funds
Funds that want liquidity for new allocations or redemptions while their core holdings stay in place.
For large private holders
Individuals with significant crypto holdings who need an amount or a structure beyond what the automated credit line in the app offers.
How to Get a Crypto Business Loan
1. Tell us what you need
Send the credit desk your company name, the collateral you plan to pledge and the amount you want to borrow.
2. Review your term sheet
Within 24 hours the desk proposes a tailored structure: limit, rate and LTV for your collateral mix.
3. Complete KYB and draw
Once terms are agreed and KYC/KYB is done, funds typically arrive the same business day in EUR or stablecoins.
Corporate Credit Line or the Credit Line in the App?
| What differs | Corporate credit line | Credit line in the app |
|---|---|---|
| Amount | From €50,000 equivalent | Smaller amounts, opened in minutes |
| Rate | Set individually for your risk profile | Follows the standard LTV tiers shown in the app |
| LTV | Negotiated for your whole asset mix | Fixed cap for each supported asset |
| Collateral | Mixed baskets, top 50 assets on review | Assets from the supported collateral list |
| How to start | Request a term sheet from the credit desk | Deposit collateral and open the line yourself |
What Companies Use It For
Working capital
Bridge the gap between crypto revenue and fiat costs such as payroll, taxes and infrastructure, without selling the core position the business wants to keep.
Acquisitions and opportunities
Get liquidity quickly to act on a market opportunity or acquire new assets, while the existing portfolio stays invested.
Assets Accepted as Collateral
These are the assets supported as collateral on Clapp, with the standard LTV cap for each. For a corporate line the LTV is agreed individually for your whole basket, so treat these figures as a starting point.
EUREuroLTV 90%
USDCUSD CoinLTV 90%
USDTTether USDLTV 90%
PAXGPAX GoldLTV 80%
BTCBitcoinLTV 70%
WBTCWrapped BitcoinLTV 70%
ETHEthereumLTV 60%
BNBBNBLTV 50%
SOLSolanaLTV 50%
XRPXRPLTV 50%
ADACardanoLTV 40%
DOGEDogecoinLTV 40%
TRXTRONLTV 40%
AVAXAvalancheLTV 30%
BCHBitcoin CashLTV 30%
DOTPolkadotLTV 30%
LINKChainlinkLTV 30%
LTCLitecoinLTV 30%
POLPolygonLTV 30%
UNIUniswapLTV 30%
XLMStellarLTV 30%
Talk to the Credit Desk
Clapp support is available 24/7. For a corporate credit line, send your request through the form on the corporate credit line page and the credit desk replies within 24 hours.
Crypto Business Loan FAQ
Can a company borrow against its crypto?
Yes. A company, fund or treasury can pledge the crypto it holds as collateral and receive euros or stablecoins without selling the position. On Clapp this is set up as a corporate credit line: the credit desk agrees the limit, rate and LTV for your asset mix, and you draw funds as you need them.
What is the minimum amount for a crypto business loan?
Corporate credit lines on Clapp start from €50,000 equivalent. For smaller amounts, the automated credit line in the Clapp app opens in minutes once collateral is deposited.
What collateral can a business use?
Bitcoin, Ethereum, major altcoins and stablecoins. You can combine several assets in one basket, and diversified portfolios of top 50 assets by market cap can be underwritten after review.
How are rates set for a corporate crypto credit line?
There are no fixed tiers. Each line is priced individually: the more conservative the LTV and the more liquid the collateral, such as BTC or stablecoins, the lower the rate the credit desk can offer. You see the full terms in your term sheet before anything is signed.
How quickly can a business receive the funds?
The credit desk replies to a request with a proposed structure within 24 hours. Once terms are agreed and KYC/KYB is completed, liquidity is typically available the same business day via SEPA Instant in EUR or as a stablecoin transfer.
What does the credit desk need from us to start?
Your company or entity name, a contact person, a business email, the collateral you plan to pledge and the amount you want to borrow. That is enough for a first proposal. Company verification (KYB) follows once you decide to go ahead.