Lending & Credit Solutions

Credit & Digital Assets

Capital, structured around the assets you hold

Whether you are funding an acquisition, bridging a construction period, smoothing seasonal working capital or accessing liquidity without selling your digital assets, the right financing solution is never just about the rate — it is about structure, flexibility, collateral and a lender who understands your financial position.

Our credit desk arranges and, through partner institutions, participates in facilities from $2 million to $250 million. We also provide financing solutions for eligible digital-asset holders, including crypto-backed lending structures that allow clients to access liquidity against qualifying crypto assets while maintaining their underlying asset position, subject to applicable terms, collateral requirements and risk controls.

For businesses and investors operating across traditional and digital markets, we structure financing around cash flows, asset quality and the purpose of the facility rather than relying on a single source of collateral.

Scope of Service

What’s included

Corporate Term Loans

Fixed or floating-rate term debt for expansion, refinancing and acquisitions — tenors from 3 to 12 years, structured around the borrower’s operating cash flows and financing requirements.

Working Capital Facilities

Revolving credit lines, receivables financing and inventory facilities that scale with your business cycle and provide liquidity when operating requirements change.

Commercial Real Estate Loans

Acquisition, bridge and permanent loans on income-producing properties, with structures designed around property cash flows and financing objectives.

Crypto-Backed Loans

Access liquidity against eligible digital assets without necessarily selling the underlying holdings. Crypto-backed facilities may be structured using qualifying assets such as Bitcoin and other supported digital assets, subject to collateral requirements, valuation and risk controls.

Digital Asset Financing

Financing solutions for investors, entrepreneurs and businesses operating within the digital-asset economy, including liquidity facilities designed around eligible crypto holdings and specific capital requirements.

Asset-Backed Lending

Facilities secured by equipment, fleets, IP, securities or other qualifying assets — unlocking liquidity while helping borrowers preserve ownership and equity.

Acquisition Financing

Unitranche and structured solutions for buy-side M&A, paired with our corporate advisory team to align financing with the broader transaction.

Refinancing & Restructuring

Terming-out maturities, covenant resets and balance-sheet repair for companies and investors navigating changing financing requirements.

Crypto Liquidity Solutions

Structured liquidity options for digital-asset holders seeking access to capital while managing the timing and potential tax or market implications of asset sales.

Crypto Lending

How crypto-backed lending works

01

Asset Assessment

We assess the proposed digital assets, their valuation, liquidity, custody arrangements and the requested financing amount.

02

Loan Structure

The facility is structured around eligible collateral, loan-to-value requirements, repayment terms, pricing and applicable risk controls.

03

Collateral & Approval

We recommend that all customers requesting cryptocurrency financing or loans maintain verifiable proof of trade in their wallet, confirmable via the wallet address attached to their account for payout. This measure fulfils compliance requirements to safeguard against money laundering and terrorism financing.

04

Funding & Monitoring

Once documentation and collateral requirements are satisfied, funds are released and the facility is monitored throughout its term.

Crypto Credit

Liquidity without automatically selling your digital assets

Digital assets can represent a significant portion of an investor’s portfolio, but accessing liquidity does not always have to mean immediately selling those holdings. Our crypto-backed lending solutions are designed to provide eligible borrowers with access to capital against qualifying digital assets.

Depending on the facility, digital assets may be pledged as collateral while the borrower receives financing for business operations, investment needs, working capital or other permitted purposes. Loan terms, collateral requirements and monitoring arrangements are determined according to the asset, facility structure and applicable risk parameters.

Because crypto markets can experience significant price movements, collateral values are actively considered throughout the life of a facility. Borrowers should understand the potential for additional collateral requirements or other actions if collateral values change materially.

Request a Crypto Loan Consultation Crypto Lending FAQs

Crypto-backed lending and digital asset financing

Our Approach

The credit process, demystified

01

Indicative Term Sheet

A one-page indication of structure, pricing, collateral requirements and conditions, subject to review and eligibility.

02

Underwriting & Due Diligence

Full credit assessment covering cash-flow modeling, collateral review, borrower information and, where applicable, digital-asset valuation.

03

Credit Committee & Approval

Our committee reviews the proposed facility, collateral structure and associated risks before a financing decision is made.

04

Documentation & Funding

Legal documentation and collateral arrangements are coordinated before funding, with ongoing monitoring throughout the facility.

Why Bit Market X

Why borrowers come to us first

Flexible financing structures designed around business cash flows, traditional assets and eligible digital-asset collateral
Plain-English documentation with clearly defined repayment, collateral and monitoring requirements
Integrated access to corporate credit, asset-backed lending and digital-asset financing solutions
Cross-capability: credit paired with treasury management, investment solutions, hedging or digital-asset services where appropriate

Request a Consultation Common Questions