Best Crypto Loans for Businesses
A business borrowing against crypto has different needs than an individual. The loan sizes are larger, the collateral may be a corporate treasury position rather than personal savings, and the priorities shift toward custody assurances, clear documentation, and limits high enough to be useful. Selling the treasury to raise cash would crystallize a taxable gain and surrender the upside; a collateralized loan avoids both.
Our best crypto loans for businesses ranking, ordered by editorial assessment.
| Platform | Borrow APR | Max LTV | KYC | Custody | Apply |
|---|---|---|---|---|---|
UnchainedCeFi | 14–16.21% | 50% | Required | Collaborative | Apply |
NexoCeFi | 1.9–18.9% | 50% | Required | Third-party | Apply |
LednCeFi | 9.25–11.9% | 50% | Required | Third-party | Apply |
AaveDeFi | 4–8% | 80% | No KYC | Self-custody | Apply |
MorphoDeFi | 4–9% | 86% | No KYC | Self-custody | Apply |
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About best crypto loans for businesses
Our picks reflect the realistic options for that use case. Unchained is purpose-built for high-value Bitcoin borrowing on a US-regulated, collaborative-custody model, with loans ranging up to several million dollars — well suited to companies that want institutional-grade structure and to keep a key. Nexo offers business accounts with a flexible credit line up to seven figures across many assets. Ledn provides a transparent, audited product with sizeable limits and segregated-custody options that a corporate treasurer can diligence.
For entities comfortable operating on-chain, the DeFi protocols are entity-agnostic: Aave and Morpho do not care whether the wallet borrowing belongs to a person or a company, impose no hard maximum loan size beyond available liquidity, and require no account at all. That makes them a natural fit for crypto-native businesses and DAOs that already manage treasury on-chain. As always, a business should involve its own tax and legal advisors — the points here are general, not advice.
How we rank them
We rank business options on maximum loan size, suitability for corporate or entity borrowing, custody assurances a treasurer can diligence, and documentation quality. Platforms purpose-built for large or institutional loans rank above consumer-focused products, and entity-agnostic DeFi protocols qualify for crypto-native businesses.
Top picks
Frequently asked questions
- Can a company borrow against its crypto treasury?
- Yes. Platforms like Unchained, Nexo and Ledn offer business or institutional accounts that let a company post crypto as collateral and borrow against it, often in fiat. DeFi protocols such as Aave and Morpho are entity-agnostic and can be used by a business-controlled wallet directly. Always involve your own tax and legal advisors first.
- What are the largest crypto loans available?
- Among our picks, Unchained supports Bitcoin loans up to several million dollars and Nexo's credit line reaches into seven figures. On DeFi protocols like Aave and Morpho there is no fixed maximum beyond the liquidity available in the relevant market, so very large loans are possible against blue-chip collateral.
- Why borrow instead of selling the treasury?
- Selling crypto generally realizes a capital gain and ends your exposure to future price appreciation. Borrowing against it can keep the position intact and, in many jurisdictions, is not itself a taxable event — though tax treatment varies, so confirm with a professional for your situation.
- Which custody model is best for a business?
- Treasurers usually favor models they can diligence and that limit counterparty risk: Unchained's collaborative multisig leaves the business holding a key, Ledn offers segregated custody, and DeFi protocols are fully non-custodial. The right choice depends on the company's risk policy and operational capacity.
Related
- Unchained reviewHigh-net-worth Bitcoiners prioritizing key control and no-rehypothecation over rate and speed.
- Nexo reviewCeFi users wanting an instant, flexible credit line with optional high-yield earn accounts.
- Ledn reviewBitcoin holders wanting a transparent, established CeFi lender with strong proof-of-reserves.
- Compare all crypto lendersFilter every platform we track by rate, LTV, KYC and custody.
- Best DeFi Lending PlatformsDeFi lending protocols let you borrow against crypto with no account and no intermediary — you keep custody and interact directly with audited smart contracts.
- Best CeFi Crypto LoansCeFi lenders are companies that take your collateral, fund your loan, and handle compliance — giving you fixed-style rates, fiat payouts to a bank, and human support in exchange for trusting a counterparty.