Your Bitcoin Is Built for the Long Game.

Now, Your Loan Can Be Too.

Introducing 3 and 5-year Bitcoin loans. Unique, long-term options built for every market cycle. Now offered in addition to our 1-year loan, so you can borrow confidently without selling your Bitcoin.

Start your long-term loan now

Why Long-Term Bitcoin Loans Matter Now

Most lenders still max out at 1-year terms. At most they stretch to 2 years.
Bitcoin doesn’t follow 1 or 2-year schedules. Bitcoin moves in cycles.
And that takes time: 3 to 5 years of it.

That’s why we created SALT’s Long-Term Loan Option, designed for Bitcoin HODLers who think in halvings, not quarters.

The Long Game, Finally Built Into a Loan

A 3 or 5-year Bitcoin loan gives you space to:  

Ride out bear markets
Stay exposed through the recovery
Position for the next bull run
Avoid forced decisions during volatility
Keep your stack intact

Are you long on Bitcoin?
Now your liquidity strategy can be too.

Start your loan now

The Numbers

1
year loan

30% LTV – 9.95% APR
50% LTV – 10.95% APR
70% LTV – 14.45% APR

Subject to jurisdictional limitations and other restrictions.

3
year loan

30% LTV – 11.95% APR
50% LTV – 12.95% APR

70% LTV is not available for multi-year loans. Subject to jurisdictional limitations and other restrictions.

5
year loan

30% LTV – 12.95% APR
50% LTV – 13.95% APR

70% LTV is not available for multi-year loans. Subject to jurisdictional limitations and other restrictions.

Start your long-term loan now

The Loan Flexibility Borrowers Have Been Waiting For

Long-Term Liquidity You Can Actually Plan Around
Big life moves don’t fit into a single year: house buying, business growth, consolidating debt, buying dips, diversifying.

A long-term loan finally gives you breathing room.
Borrow Through Bitcoin Cycles
3 to 5 years = one full Bitcoin market cycle.

Borrow once. Stop timing the market. Stay long.

Maintain clarity, protect your position, and let long-term conviction guide every decision along the way.
Predictability When Everything Else Is Volatile
Fixed terms. Clear rates.
Conservative LTV. Plus, SALT Shield™ for no-liquidation protection.
A True Competitive Moat
The longest loan most lenders offer is: 1 year, 2 years if you’re lucky.

SALT now lets you borrow for 1, 3, or 5 years.

Why HODLers Choose SALT

Stay Long and Keep Exposure to Bitcoin’s Upside
Borrow without selling. Keep long-term compounding potential on your side.
Strategically Manage Potential Capital Gains Taxes
Avoid triggering taxable events while still accessing the liquidity that supports your goals.
Access Essential Liquidity for Your Real-Life Needs
Buying a home. Expanding a business. Paying off debt. Or yes, stacking more Bitcoin when the price is down.
Proudly Serving Bitcoin Holders for Nearly a Decade
No collateral losses since 2016. No rehypothecation. Trusted custodians. Battle-tested across multiple Bitcoin cycles.

The Original Bitcoin-Backed Loan

Crypto-backed, not credit-based

Unlike traditional loans that rely on your credit score, SALT offers loans backed by your cryptoassets, meaning you can borrow without impacting your credit. We call that the smarter way to get cash, preserve your crypto, and take advantage of your crypto holdings.

Rates starting at
9.95%
Term duration
1/3/5
Borrow up to
70% LTV
Prepayment Fees
None

Available rates and terms are subject to change and may vary based on loan amount, qualifications, jurisdiction, and collateral profile. Other terms, conditions, and restrictions may apply.

Start your long-term loan now

Trusted & Secure Since 2016
SALT, the original Bitcoin lender and trusted provider since 2016.
Expansive National & Global Presence
Largest licensed provider in the US + global coverage.
Proven Track Record of Success
Securely held collateral with zero customer losses.