Simple. Fast. Transparent.
From Application to Funded in 24 Hours
No credit check. No lengthy underwriting. Just five straightforward steps between you and the liquidity your assets can unlock.
The Process
Five Steps to Your Loan
Apply Online
Complete our 5-step application in minutes — no credit check required.
- Enter your personal details and contact information.
- Select your collateral type: Bitcoin, Gold, or Silver.
- Choose your desired loan amount and term (1–12 months).
- Upload a government-issued ID for KYC verification.
- Review your full loan summary before submitting.
Collateral Appraisal
We value your assets at live market prices — transparently and instantly.
- Bitcoin: valued at the live CoinGecko spot price at time of application.
- Gold & Silver: appraised using certified XRF analysis and live spot prices.
- Loan-to-Value (LTV) is calculated at up to 70% of appraised value.
- You receive a full breakdown before any agreement is signed.
Sign Your Agreement
Review and digitally sign your loan agreement — fully transparent terms.
- A detailed loan agreement is generated with your exact terms.
- Review the full LTV table, interest schedule, and repayment terms.
- For Bitcoin loans: your unique BTC deposit address is shown here.
- Sign digitally with a single checkbox confirmation.
- A PDF copy is automatically emailed to you for your records.
Receive Your Funds
Funds are disbursed within 24 hours of collateral confirmation.
- Bitcoin borrowers: send BTC to your unique deposit address to activate the loan.
- Gold & Silver borrowers: drop off your collateral at our Detroit location.
- Once collateral is confirmed, funds are disbursed via ACH or wire transfer.
- Typical funding time: same business day to 24 hours.
Repay & Reclaim
Repay at any time during your term and your collateral is returned promptly.
- Repay the principal plus accrued interest at any point during your loan term.
- No prepayment penalties — pay early and save on interest.
- Bitcoin collateral is returned to your wallet within 1 business day of repayment.
- Physical collateral (gold/silver) available for pickup or insured shipping.
- Loan extensions available upon request and approval.
By Asset Type
How It Works for Each Collateral
Bitcoin Loan Process
Step-by-step walkthrough
- 1Submit application and select BTC as collateral.
- 2Live BTC price is locked at application time.
- 3Sign agreement and receive your unique BTC deposit address.
- 4Send BTC to the address — confirmed on-chain within ~30 min.
- 5Funds disbursed same day after confirmation.
- 6Repay loan → BTC returned to your wallet.
Our Promise
What You Can Always Count On
No Credit Check
Your credit score is never pulled. Your assets are the only qualification.
Funds in 24 Hours
From signed agreement to funded account — typically same business day.
Collateral Insured
All held assets are covered by comprehensive vault insurance against loss or theft.
No Hidden Fees
One origination fee (2.5%) and a fixed monthly rate (7.5%). Nothing else.
Frequently Asked Questions
Ready to get started?
Get an instant estimate with live prices, then apply in minutes. No credit check. Funds in as little as 24 hours.