Companies & funds
Liquidity for your treasury. Without selling its crypto.
Companies, funds and holding structures that hold bitcoin, ether or stablecoins can borrow against them and receive euros, dollars, pounds or Swiss francs on the company’s bank account, typically within the hour. No company documents, no email, no phone.
- Paid to the company’s bank account
- Statements for your accountant
- Credit line or fixed term
- Zero fees, repay any time
Your company loan
BTC €73,813
- APR, all-in
- 10.9%No fees
- Per month
- €908interest
- Margin call
- €52,723BTC −29%
- Liquidation
- €46,133BTC −38%
Paid by SEPA Instant · No sign-up to see your rate
- < 1 htypical time to funds
- €0arrangement, admin or exit fees
- Up to 60%loan-to-value on bitcoin
- 6.9%APR from, all-in
- 72 hto act on a margin call
What companies borrow for
Keep the treasury invested. Fund the business.
Selling treasury assets to cover an operating need can mean selling at a bad moment, crystallising a gain or a loss, and buying back later at a different price. A loan against them avoids all three.
Payroll and working capital
Pay salaries and suppliers on time while receivables are still outstanding, then repay as customers pay.
Tax and VAT
Settle corporate tax, VAT or instalments by the deadline without liquidating treasury holdings.
Stock and deposits
Fund a seasonal stock purchase or a supplier deposit, and repay from the sales it generates.
Bridging a transaction
Cover the gap until a funding round, a disposal or a refinancing completes.
How it works
Set up like a treasury tool.
The same loan as for an individual, operated under your company’s controls and paid to its bank account.
- Borrower
- The company, under its own account number
- Payout
- To the company’s bank accountEUR, USD, GBP or CHF, typically within the hour
- Products
- Credit line or fixed-term loan6 or 12 months for a fixed term
- Amount
- €1,000 to €2,000,000Dedicated advisor from €250,000
- Records
- Agreement, payouts, interest, repaymentsAvailable in your client area
Open the company’s account
An account number and a password, held under your treasury controls like any banking credential. Add a passkey or an authenticator app, and keep the recovery kit offline.
Choose the structure
A credit line for recurring needs, or a fixed-term loan for a set amount and period, at a loan-to-value your treasury policy allows.
Pledge from the company’s wallet
Send the collateral to the address created for the loan, and record the transfer like any other treasury movement.
Receive the funds
Enter the company’s name exactly as its bank holds it: banks in the euro area and in the UK check that the name matches the account.
Repay from operating cash
Repay in full or in part whenever cash comes in, with no fee, or roll a fixed term over at the rate of the day.
Governance
Good governance, decided in advance.
A crypto-backed loan is simple to take out. Deciding how it fits your treasury policy before you need it is what keeps it safe.
- Authorise it. Record who may borrow, draw and repay, and within which limits, as you would for any credit facility.
- Cap the loan-to-value. Set an internal ceiling below our thresholds, for example the Conservative level of 30%, and decide in advance how a margin call would be met.
- Keep a cure reserve. Hold cash or spare collateral that can be moved within the 72 hours a margin call allows.
- Control access. Keep the account number, password and recovery kit under dual control, and enable browser notifications on a monitored workstation.
- Watch the market. Check the client area when prices move: alerts start at 65% loan-to-value.
For your accountant
- Loan agreement
- The terms accepted, with dates and amounts
- Payout confirmations
- Amount, currency, rail and date
- Interest statements
- Interest accrued and paid, by period
- Repayments and returns
- Each one, with its on-chain transaction
- Liquidation statements
- If a sale ever occurs: quantity, price and fee
Accounting and tax treatment depend on your country and your accounting framework. Because the collateral is pledged rather than sold, it generally remains the company’s asset, while the loan is a liability and the interest a cost. Confirm the treatment with your accountant.
Questions
Company loans: straight answers.
Anything else? Our advisors answer by secure message from your client area, 7 days a week.
Help centreCan a company borrow against its crypto with Lombard Private?
Yes. Companies, funds and holding structures can pledge bitcoin, ether, Solana, USDT or USDC and receive euros, dollars, pounds or Swiss francs on the company’s bank account, through a credit line or a fixed-term loan.
Do you need company documents?
No. The company’s account is a number, like any other account. The only detail involved is the bank account that receives the funds.
Can the loan be paid to the company’s bank account?
Yes. Enter the company’s name exactly as its bank holds it: banks in the euro area and in the UK check that the beneficiary name matches the account before a transfer is made.
What documents do we get for our accounts?
The loan agreement, a confirmation for each payout, interest statements, and a record of every repayment and every return of collateral with its on-chain transaction, all available in your client area.
Is a crypto-backed loan a disposal for the company?
Pledging assets as collateral is generally not a sale, so it does not usually crystallise a gain or a loss. A liquidation, however, is a sale. The treatment varies by country and accounting framework, so check with your accountant.
Credit line or fixed term for a company?
A credit line suits recurring or uneven needs such as payroll or stock purchases: draw, repay and draw again, with interest only on what is drawn. A fixed-term loan suits a known amount for a known period, with the rate locked for 6 or 12 months.
How should a company manage margin-call risk?
Set an internal loan-to-value ceiling below our thresholds, keep a reserve of cash or spare collateral that can be moved within 72 hours, and make sure someone checks the client area whenever markets move.
Treasury liquidity, without selling.
Price your company’s loan in seconds and receive the funds on its bank account, typically within the hour.
- No KYC
- No email, no phone
- Zero fees
- Repay any time