Use case · Business cash flow
Cash flow when you need it. Crypto that stays put.
A late invoice, a seasonal stock purchase, payroll before a large payment lands: draw against your bitcoin, ether or stablecoins, pay what is due, and repay when the cash comes in.
- Draw within the hour, when a gap appears
- Interest by the day, only on what you use
- An unused line costs nothing
- Paid to the company’s bank account
Your cash-flow line
BTC €73,799
- APR, all-in
- 10.9%No fees
- Per month
- €273interest
- Margin call
- €52,713BTC −29%
- Liquidation
- €46,124BTC −38%
Paid by SEPA Instant · No sign-up to see your rate
- Dailyinterest on what you draw
- €0cost of an unused line
- < 1 htypical time to funds
- 6.9%APR from, all-in
- No termrepay when customers pay
A worked example
One quarter with a credit line.
A Balanced line on 1.1 BTC (bitcoin at €73,799) at 10.9% APR. You draw only when a gap appears.
| Day | What happens | Drawn | Interest |
|---|---|---|---|
| 1 | Draw €30,000 for a seasonal stock purchase. | €30,000 | — |
| 45 | Your customers pay: repay €30,000. | €0 | €403.1545 days |
| 60 | Payroll falls before a large invoice is paid: draw €15,000. | €15,000 | — |
| 75 | The invoice is settled: repay €15,000. | €0 | €67.1915 days |
| 90 | Nothing drawn. The line stays open, at no cost. | €0 | €0 |
Interest for the quarter: €470.34. Borrowing €30,000 for the whole quarter instead would have cost €806.30. With a credit line you pay for the days you use, and nothing for the days you do not. 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…
- you face timing gaps between paying and being paid;
- you buy stock ahead of a season;
- your receivables are reliable, only their timing is not;
- your business holds crypto as a treasury reserve.
Think twice when…
- the gap is a loss to finance, not a timing difference;
- you would need the maximum loan-to-value;
- the collateral is also your only reserve for a margin call;
- nobody can check the client area when markets move.
Step by step
How a cash-flow line works, step by step.
No forms, no documents, no calls. You see every number before you commit.
Before you borrow, check:
- Match each draw to a known inflow. Borrow against invoices you expect to be paid, not against hope.
- Keep a low loan-to-value. At 30%, bitcoin can fall 57% before a margin call.
- Keep a reserve for margin calls. Cash or spare collateral you could move within 72 hours.
- Pay to the right account. Business funds go to the business’s own account, under its own name.
- Record it properly. Statements in the client area document every draw, repayment and interest charge.
Open a credit line
Pledge collateral once and choose a limit. Nothing is drawn yet, and an unused line costs nothing.
Draw when a gap appears
Choose the amount and currency in your client area. It is paid to the business’s account, typically within the hour.
Pay suppliers or staff
Settle what is due on time, from your own bank account.
Repay when customers pay
Repay the amount drawn, in part or in full, with no fee. Interest stops on the amount repaid that day.
Keep the line open
Draw again for the next gap, or close the line and get your collateral back.
Questions
Business cash flow: straight answers.
Anything else? Our advisors answer by secure message from your client area, 7 days a week.
Help centreCan I use a crypto loan for business expenses?
Yes. The money is yours to use: payroll, suppliers, stock or tax. Companies can borrow in their own name and receive the funds on the company’s bank account.
Credit line or fixed term for cash flow?
Usually a credit line: draw when a gap appears, repay when the cash comes in, and draw again. Interest runs only on what is drawn, and an unused line costs nothing.
How much does it cost to borrow for a few weeks?
€30,000 drawn for 45 days at 10.9% costs €403.15. Interest accrues daily, and there are no arrangement or early-repayment fees.
What if a customer pays late?
Keep the amount drawn until they do: a credit line has no maturity date. Interest continues by the day, and the usual loan-to-value thresholds apply.
Can the loan be paid to my company’s account?
Yes. Enter the company’s name exactly as its bank holds it: banks in the euro area and the UK check that the name matches the account.
Smooth the gaps. Keep the treasury.
Price your credit line in seconds and draw your first amount, typically within the hour.
- No KYC
- No email, no phone
- Zero fees
- Repay any time