Using Digital Gold to Pour Liquid Gold
November 2023, one customer operating a hospitality business in Japan wanted to invest in multiple venues - both in Australia and a Japanese ski resort - but didn’t want to lose his BTC exposure.
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Crypto-Backed Loans
For Australian Businesses
Block Earner lets Australian businesses borrow up to $5 million AUD against Bitcoin, Ethereum, XRP or stablecoins, keeping full market exposure while accessing real capital, fast. See how much you could borrow with our Business loan calculator →
Trusted by Australian Businesses
Award-Winning Crypto-Backed Business Loans
Borrow up to $5M AUD
From $50 to $5 million AUD, settled within 24 hours of approval to your business bank account.
No lock-ins, repay anytime
Flexible repayment terms with no early repayment fees on Line of Credit or Fixed Term.
How to apply for a Crypto-Backed Business Loan
- 1.Open account
Open a Block Earner Business Account using your company, trust, partnership, sole trader or family office details. Add authorised users and complete onboarding.
- 2.Apply for loan
Submit your loan application and complete eligibility checks under Australian regulatory requirements. Pre-approval is available before you send any crypto, so you know your borrowing limit upfront.
- 3.Receive AUD
Once approved, AUD is settled to your business bank account within 24 hours. Manage your loan, LVR and crypto security in the Block Earner app while keeping your full exposure to crypto markets.
Apply Now
Grow your business
Borrow AUD using crypto
Australian businesses use crypto-backed business loans to fund growth without selling their crypto. Unlock AUD for working capital, equipment finance, commercial property, acquisitions, M&A or debt refinancing, while keeping your full exposure to crypto markets.
Interest rate from*
9.50
% p.a.
Fixed rate for 12 months
Comparison rate from*
11.93
% p.a.
Fixed rate for 12 months
Compare your Crypto Business Loan options
Min. Monthly repayments
$0.00 AUDRepay at anytime*
Origination fee
$0.00 AUD2% of loan amount*
Maximum interest
$0.00 AUD12 month loan term, assuming no early repayments*
- Total Interest
- 2% Origination Fee
- Loan Amount
*Approved applicants only. Terms, conditions, fees and charges apply. *The rate provided above is indicative and your rate may be different based on a variety of factors, including your credit worthiness. Rates are subject to change. ^The comparison rates are based on a secured loan of $10,000 over a term of 3 years. The comparison rate provided includes a 2% origination fee. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit provided by Web3 Loans Pty Ltd ACN 668 516 952 and managed by Web3 Ventures Pty Ltd trading as Block Earner (ACN 655 090 869) under Australian Credit License 542689.T&Cs apply.
Why Australian businesses
choose Block Earner
Speak directly with our Sydney-based team.
Block Earner is an Australian-owned and operated crypto-backed loans provider, headquartered in Sydney and purpose-built to help Australian businesses unlock real-world opportunities, without selling their crypto. Backed by global investors including Coinbase Ventures and Framework Ventures, we bridge traditional finance and the digital asset economy, earning recognition from FinTech Australia as a leader in the fintech and crypto space.
Avoiding Crypto sell-offs
Crypto values move with the market, and so does your LVR. Track it in real time via the Block Earner app. You'll be notified at every LVR tier via email, in-app and SMS, with time to top up crypto or repay AUD to restore loan health. If no action is taken, Block Earner may sell a portion of your crypto security to restore your loan to a healthy level. Here's why Australian businesses trust Block Earner loans:
Fireblocks security
Crypto security is held in Fireblocks custody, with multi-layer security and in-kind insurance.
Australian Credit License
Credit provided by Web3 Loans Pty Ltd under Australian Credit License 542689.*
LVR notifications
Notifications at every LVR tier give you time to manage your loan before any partial sell-down.
Top up. Redraw. Rollover.
Add crypto security to maintain LVR health. Borrow more AUD as your crypto grows. Apply to rollover.
Australia-based support
Speak directly with our Sydney team for fast, reliable assistance. Our experts are here for you.
Manage your loan with confidence
Monitor your loan-to-value ratio (LVR) anytime via our desktop or mobile app. Stay informed with in-app LVR health notifications, emails, and SMS updates, plus a weekly summary of your Bitcoin loan status.
You can use BTC or repay in AUD to maintain a healthy LVR. You can repay your Bitcoin-Backed Line of Credit on any schedule or in full at the end of the 12-month term.
If your LVR reaches Default Notice, you will receive a Default Notice via email. You will have 30 days to bring your LVR below the Repayment Notice level. If no action is taken within this period, after 30 days, we will sell a portion of your BTC security to reduce the LVR back to the Repayment Notice threshold.
Fast settlements
Get AUD within hours of approval, straight to your bank account.
Low Fees. Fixed rates.
2% origination fee, fixed interest rates, repay on your own schedule.
No early repayment fees
Flexible repayment terms provide access to AUD when you need it.
Maintain crypto exposure
Keep your exposure to crypto price movements while you borrow AUD.
How Australians use
Crypto-Backed Loans
From working capital and acquisitions to commercial property and debt consolidation, Australian businesses use Block Earner Crypto-Backed Business Loans to access AUD without selling their crypto.
Additional information
*Approved applicants only. Terms, conditions, fees and charges apply. *The rate provided above is indicative and your rate may be different based on a variety of factors, including your credit worthiness. Rates are subject to change. ^The comparison rates are based on a secured loan of $10,000 over a term of 3 years. The comparison rate provided includes a 2% origination fee. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Credit provided by Web3 Loans Pty Ltd ACN 668 516 952 and managed by Web3 Ventures Pty Ltd trading as Block Earner (ACN 655 090 869) under Australian Credit License 542689. *Capital is not covered by the Australian government deposit guarantee. For more info please see our Terms of Use and FAQs. Winner of 2024 WeMoney Lending Innovation of the Year award for our Crypto-backed Loans. Winner of 2024 FinTech Australia Excellence in Blockchain/Distributed Ledger, Winner of 2024 Digital Economy Council of Australia ‘Blockies’ Financial Services Innovator of the Year, Winner of 2025 FinTech Australia Excellence in Web3 (Blockchain or Crypto), Winner of 2025 Finder Innovation Awards Most Innovative Team, Tech Innovation and Digital Assets & Web3 Innovation. NB: These awards are for Block Earner's full suite of products and not specifically the Crypto-Backed Loans product.