What are Unchained commercial loan terms?

The term length is 360 days, and the minimum principal is $150,000. Payments are interest-only and due every 30 days. The principal balance is paid at maturity with the interest due.*

Note: Unchained does not originate consumer loans and will only originate loans to entities (such as LLCs and corporations, but NOT Sole Proprietorships) with stated business/investment purposes.

Term length	Interest Rate	Origination Fee	Total Annual Percentage Rate (APR)
360 days	13.00%	2.00%	15.20%

For every $1 borrowed, $2.00 of bitcoin must be deposited as collateral (200% CTP ratio).

CTP ratio = (USD Value of Collateral ÷ Loan Principal) * 100

*Eligibility varies by state. See state eligibility for details.

Last updated: April 30, 2025