Use case · Bridge financing
Bridge the gap. Repay when the money lands.
Buying before you sell, or waiting for a bonus, an inheritance or a business sale to complete: a Lombard loan against your crypto covers the gap, and you repay the day the money arrives, with interest only for the days in between.
- Cash within the hour, before the money lands
- Interest only for the days in between
- Repay the day it arrives, no fee
- Keep your crypto throughout
Your bridge loan
BTC €73,813
- APR, all-in
- 8.9%No fees
- Per month
- €1,113interest
- Margin call
- €31,634BTC −57%
- Liquidation
- €27,680BTC −63%
Paid by SEPA Instant · No sign-up to see your rate
- Any timerepay the day the money lands
- 8.9%APR at a 30% loan-to-value
- €0arrangement or early-repayment fee
- 6 or 12months fixed, or open-ended
- < 1 htypical time to funds
A worked example
What a €150,000 bridge costs.
Borrowed against bitcoin and repaid the day the expected money arrives. Interest accrues daily, so a shorter wait costs less.
| Time until the money lands | At 30% · 8.9% | At 50% · 10.9% |
|---|---|---|
| 60 days | €2,194.52 | €2,687.67 |
| 90 days | €3,291.78 | €4,031.51 |
| 180 days | €6,583.56 | €8,063.01 |
If completion slips from 90 to 180 days, the cost simply doubles: there is no penalty and no fee, only interest by the day. At 30%, bitcoin can fall 57% before a margin call while you wait. Figures at today’s reference prices; they move with the market.
Price your own figuresIs it right for you?
When a Lombard loan fits, and when it does not.
A loan against your crypto is a tool for timing, not a way to finance what you cannot repay. Be honest with yourself on both lists.
It fits when…
- the money you are waiting for is certain, only its date is not;
- you need to pay before it lands;
- you want to keep your crypto rather than sell it;
- a low loan-to-value is enough to raise the amount.
Think twice when…
- the sale or payout itself is uncertain;
- you would need the maximum loan-to-value;
- a long delay would leave you unable to repay without selling;
- you cannot follow your loan while you wait.
Step by step
How a bridge comes together, step by step.
No forms, no documents, no calls. You see every number before you commit.
Before you borrow, check:
- Be sure of the exit. A bridge is only as good as what repays it.
- Allow for delays. Choose a structure and a loan-to-value that would survive a later completion.
- Prefer a low loan-to-value. The longer you wait, the further prices can move.
- Repay early, at no cost. There is no penalty: repay the day the money lands.
- Keep a reserve. Cash or spare collateral, in case of a margin call while you wait.
Identify your exit
Know exactly what repays the loan, a completion, a payout or a refinancing, and its expected date.
Choose the structure
A fixed term of 6 or 12 months if the date is firm; a credit line, with no maturity, if it may move.
Pledge and receive
Send your collateral to the address created for your loan. The money is paid to your bank account, typically within the hour.
Use the funds
Complete your purchase or meet your commitment from your own account.
Repay on completion
The day the money arrives, repay in full with no fee. Interest stops that day and your collateral is returned, typically within the hour.
Questions
Bridge financing: straight answers.
Anything else? Our advisors answer by secure message from your client area, 7 days a week.
Help centreWhat is a bridge loan?
A short-term loan that covers the gap between a payment you must make now and money you will receive later, such as the sale of a property, a bonus or the completion of a business sale.
How long can a crypto bridge loan last?
As long as you need. A credit line has no fixed term; a fixed-term loan runs for 6 or 12 months and can be rolled over. Either way you can repay at any time without a fee.
What does a crypto bridge loan cost?
Interest only, by the day. €150,000 for 90 days at a 30% loan-to-value (8.9% APR) costs €3,291.78. There are no arrangement, exit or early-repayment fees.
What if the money I am waiting for is delayed?
Keep the loan running: there is no penalty, only daily interest. Watch your loan-to-value in your client area, and keep a reserve in case of a margin call.
Can I repay in one go when the money arrives?
Yes. Repay the full amount the day it lands, with no fee. Interest stops that day and your collateral is returned, typically within the hour.
Is there a minimum or maximum amount?
From €1,000 to €2,000,000 in self-service. From €250,000 a dedicated advisor follows your loan, and above €2,000,000 the private desk tailors the terms.
Bridge the gap. Keep your crypto.
Price your bridge loan in seconds and receive the funds, typically within the hour.
- No KYC
- No email, no phone
- Zero fees
- Repay any time