Bitcoin Equity Loan for Businesses & Institutions
Buy $250K–$10M+
of Bitcoin with as little
as 20% down.
Finance your Bitcoin purchase and pay over time. Built for businesses and institutions that want Bitcoin exposure without tying up 100% of their capital.
Starting at20%
down payment
$250K+
facility size
Custom
terms, short to open
No margin calls1
structure
Qualified
custody, in your name
1 To be underwritten via a combination of traditional creditworthiness and loan-to-value ratio. Declines in Bitcoin price are protected through a combination of the borrower’s durable cashflows and structured collars / put protections. Subject to the terms of each facility. Indicative only; every facility is structured per borrower and subject to underwriting and applicable law.
How much Bitcoin can you finance with your USD?
Move the slider to your down payment. At 20% down, every dollar finances four more.
Loan overview
- Amount financed
- $800,000
- $200,000 down + $800,000 financed = $1,000,000 purchase
- Loan duration
- Depends on goals
- Size a position · Permanent treasury · Convert cash flow
- Loan APR starting at
- ~12%
- Down payment
- As low as 20%
Illustrative only. Not a loan offer. Terms are structured per borrower.
Short, long or open-ended. The structure follows what the Bitcoin is for.
Size a position
Buy the full position today at a known cost basis.
Permanent treasury
A long-duration allocation with a defined payment schedule.
Convert cash flow
Turn predictable cash flow into Bitcoin, with a term to match.
Bitcoin acquisition financing for balance sheets of every kind.
The business carries the loan. The Bitcoin is what it buys.
Operating businesses
Retained earnings and cash flow into a scarce asset, with a hedge on dollar receipts.
Corporate treasuries
A Bitcoin treasury position at scale, with a defined cost basis and schedule.
Family offices and high-net-worth individuals
Long-duration positions, in an entity or in your own name.
Funds and eligible contract participants
Large positions with institutional custody and purpose-built structures.
- Individuals: more than $5M in investments
- Businesses: net worth above $1M
- $250K minimum, ideally $1M+
- Underwritten on creditworthiness and loan-to-value together
From conversation to custody in four steps.
- 01
Conversation
Goal and size. We outline the structures that fit.
- 02
Underwriting and terms
Financials and KYB, then a plain term sheet.
- 03
Fund 20%
Your down payment in; Pyrus finances the rest.
- 04
Purchase, custody, repay
Bought today, held in your name, fixed monthly payments. Released in full at payoff.
Financing that behaves like financing.
Most Bitcoin credit is a margin account in disguise. A Bitcoin Equity Loan is underwritten like a business loan.
Lock in today’s price
The full position is bought at origination. Your cost basis is set the day you fund.
You own the position
Segregated with a qualified custodian in your name. Never rehypothecated.
No margin calls
Underwritten on cash flow and the position, with collar and put protection. A drawdown is not a margin call.
The specifics of each facility, including custody arrangements, are set out in its agreement.
Frequently asked questions
Everything you need to know about Bitcoin Equity Loans for businesses.
Finance a $250K to $10M+ Bitcoin position with 20% down. Custom terms from short to open-ended, no margin calls, and the position held with a qualified custodian in your entity's name.
Learn moreBitcoin-backed loans lend cash against Bitcoin you already own, with loan-to-value triggers and liquidation. A Bitcoin Equity Loan finances the purchase of Bitcoin and is underwritten on your business and the position together, with downside protected by structured collars rather than margin calls.
Learn moreIndividuals with more than $5,000,000 in investments held on a discretionary basis, or businesses with a net worth above $1,000,000, measured when you enter the loan. $250K minimum facility; ideally $1M and above.
Learn moreNothing changes. There is no margin call and no forced sale. Your payment stays the same and you still own the full position.
Learn moreTerms depend on the goal. Terms are custom, from short to open-ended, and you choose how much upside to retain: retain upside starting at ~12% APR, share upside starting at ~10%, or share more upside starting at ~9% (indicative).
Learn moreWith an institutional qualified custodian, segregated and never rehypothecated. The position is yours from day one and released in full at payoff.
Learn moreLet’s get started
Tell us about your business and what the Bitcoin is for. We will come back with a structure built around it.
