Crypto Working Capital Loans for Your Business
Why Fund Working Capital With Crypto Collateral
Costs Paid, Coins Kept
Cover monthly expenses in euros without selling the crypto your business earned or plans to hold.
Draw for the Month You Have
Take what this month's costs need rather than a fixed lump sum. Interest accrues only on what is drawn.
Repay From Revenue
Pay the line down whenever cash flow allows, partly or in full, without an early repayment penalty.
Euros or Stablecoins
Draw EUR via SEPA Instant for local payments, or stablecoins for partners who settle on-chain.
One Line, Several Assets
Back the line with BTC, ETH, stablecoins and selected altcoins together, under one LTV agreed with the credit desk.
Priced for Your Business
There are no fixed retail tiers. The rate reflects your collateral mix and how conservatively you run the LTV.
Payroll and taxes
Keep salaries and tax payments on schedule in euros, even when most of this month's income arrived in crypto.
Servers and suppliers
Pay hosting, infrastructure and supplier invoices on time without converting the reserve at whatever price the market offers that day.
Gaps between invoices
Bridge the weeks between delivering work and getting paid, then repay the line from the incoming payment.
How a Crypto Working Capital Line Works
Two Cases We See Often
Mining companies
Miners earn in BTC but pay for electricity, hosting and equipment in fiat. A credit line against mined coins covers those bills without selling into the market every month.
Stablecoin loans for business
If your partners and contractors settle in stablecoins, draw the line in stablecoins and pay them directly, with no conversion step in between.
Getting Working Capital in Place
1. Describe your cash cycle
Tell the credit desk what you hold, what your monthly costs look like and how much you want available.
2. Get a tailored term sheet
The desk replies within 24 hours with a limit, rate and LTV that fit your collateral mix.
3. Onboard and start drawing
Once KYC/KYB is complete, funds typically arrive the same business day, in EUR or stablecoins.
Planning Your Cash Flow?
Send the credit desk your collateral and the monthly amount you need through the corporate credit line form. You get a proposal within 24 hours, and Clapp support is on hand 24/7.
Working Capital Loan FAQ
Can you get a working capital loan against crypto?
Yes. A company can pledge the crypto it holds and open a credit line for day-to-day expenses. On Clapp, corporate lines start from €50,000 equivalent and pay out in euros or stablecoins.
What can a working capital loan be used for?
The running costs of the business: salaries, taxes, servers and hosting, supplier invoices, and the gap between paying for a project and getting paid for it. Funds arrive in EUR via SEPA Instant or as stablecoins.
Who can get a crypto working capital loan?
Companies that hold crypto they can pledge and that complete company verification (KYB). The credit desk reviews every request individually, and the assets you pledge and the LTV you choose shape the terms.
Is a crypto business loan suitable for a startup?
It can be, if the startup holds crypto it is willing to pledge. The line is secured by that collateral, so its size follows the value of the assets. Corporate lines start from €50,000 equivalent; for smaller needs, the credit line in the Clapp app is the simpler route.
What does the credit decision depend on?
Mainly on the collateral: which assets you pledge, how liquid they are and how conservative an LTV you want to run. Every company also goes through verification (KYB) before the line opens.
Can we borrow in stablecoins?
Yes. You can draw the line in stablecoins as well as in euros, which suits businesses that pay partners or contractors on-chain.