APX Lending offers secure, fixed-term crypto-backed loans with flexible terms and no hidden fees. Whether you're an individual or a business, you can unlock liquidity from your crypto without needing to sell it.

Account Types

• Personal Account: For individuals using their crypto as collateral.

• Business Account: For incorporated entities seeking capital.

Loan Terms

• Fixed-term loans available from 3 months to 5 years

• Extendable terms — adjust your loan duration as your needs evolve

• Choose your Loan-to-Value (LTV) ratio — up to 60%

Flexibility You Control

• Draw more funds: If your collateral value increases, you can increase your loan without starting over

• Repay anytime: Pay down early at any time. If you close within the first three months, you only owe interest for that minimum period.

• Partial repayment: Pay down a portion of your loan and reduce your interest obligations

• Redraw anytime: Access liquidity again against your existing collateral without a new application

• Extend your term:  Adjust your repayment horizon without triggering a new origination

No Hidden Fees

• No origination fees

• No early repayment penalties: (Minimum 3 months interest payment required)

• No surprise margin calls: Liquidation only occurs if your LTV exceeds 90% — one of the highest thresholds in the industry, fully visible in your dashboard