Personal Loans
The lending solution you've been waiting for
B4Finance Personal Loans
Click below for an obligation free quote using the B4Finance Lending Calculator
So you’ve been hodling, trading, and yielding for a while, and now your wallet is looking pretty healthy.
When it comes to day-to-day life, though, what can you do with it? Capital gains make it expensive to spend or sell your assets, and DeFi can be pretty volatile for long-term use. There has to be a solution.
Whether you need immediate funds for car maintenance, or you’re looking for a stable platform from which to structure your next big move back into the market, B4Finance allows you to borrow against your crypto at stable rates over long periods.
Our unique lending protocol means you don’t pay anything at all until the loan matures, so you’ve got plenty of time to either get back on your feet – or use your new liquidity to notch up some more gains.
Must know info
What are the details?
4.50%
Our fixed rates start at just 4.50% over four years. If you know where you stand, you can plan for the future.
75% LTV
Industry-leading LTV ratios reach 75%, which mean that you unlock more value right now - when you need it most.
100% Upside
Complete upside potential. If you don't think we've hit an ATH for BTC, ETH, LTC or BCH yet - we'll help make sure you're there when it happens.
12 - 48 Months
Loan terms available from one to four years. Pick the option that works best for your situation.
One
A bullet loan means a single balloon repayment - for unbeatable cashflow - and flexible refinancing means we can make it work your way.
Zero
No personal guarantees, additional security or financial statements required. If you have crypto, you're good to go.
5 - 14 Days
As little a 5 -14 days for the approval and funding process - get your money when you need it most.
$1B
Capital available for immediate financing.
Step-by-step breakdown
Like it broken down further?
Step One
Deposit your crypto as collateral, at industry-leading rates of up to 75% LVR and interest as low as 4.5%.
Step Two
Receive AUD in your account in just a few days – ready for your next purchase or reinvestment strategy.
Step Three
With zero repayments until loan maturity, terms from 12 to 48 months and all interest calculated up-front, you can be comfortable knowing exactly where you stand.
Step Four
At the end of the loan term, simply repay the outstanding balance and receive your crypto back in full – including any potential gains made along the way.
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How does it look in practice?
Imagine Lani...
Lani has been involved in the cryptocurrency space since 2017 and has been steadily growing her portfolio of digital assets. She has $60,000 worth of ETH and wants to purchase a new car as her current vehicle is a little out of date.
She has looked various DeFi lending protocols but would like a loan with fixed rates and secured custody. Fortunately with B4Finance, she can take out a loan over 24 months at a fixed rate of just 5.35%.
With no checks affecting her credit rating and no other guarantees required, Lani has bypassed all the usual hoops the bank would have made her jump through – and even better, she knows that at the end of the loan, she’ll receive all her collateral back in full… including any gains made.
Way to go, Lani.
Important information
Frequently Asked Questions
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DO I KEEP THE GAINS MY CRYPTO CAN MAKE OVER THE COURSE OF THE LOAN?
The borrower has 100% upside potential - which means that the entirety of your collateralised crypto is released back to you once the original loan has matured, including any gains.
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AM I REQUIRED TO PROVIDE FINANCIAL STATEMENTS OR PERSONAL GUARANTEES?
The property loan is subject to all standard due diligence and serviceability checks, and the property remains under mortgage for the term of the loan (as standard) - but as the crypto loan is over-collateralised, it issued without recourse, meaning no additional checks or guarantees are required.
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WHAT HAPPENS IF THE VALUE OF MY COLLATERAL DROPS?
If the value of the crypto collateral drops to less than 70% of the value on the date of issue, a margin call is issued and borrowers have five days to add additional capital. If borrowers are unable to make this payment, the collateral is liquidated and any remaining excess is returned to the borrower.
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WHERE CAN I FIND THE PRODUCT DISCLOSURE STATEMENT AND TERMS AND CONDITIONS?
Please press the terms and conditions link in the footer of this page to read all the details.