Specialty finance
Embedded credit for specialty lenders.
Draw a credit line for the loans you originate. We size the line to the book you have today and charge interest only on what's drawn.
- Sized to your book
- Interest on drawn balance only
- Receivables up to 6 months
What we finance
The loans you're already making.
- Consumer loans
- PO finance
- Invoice finance
- Trade finance
- Payout float
- Card receivables
How it works
The funding process.
Share your bookread-only
Loan-level data, repayment history and how you underwrite. We read it; nothing moves.
Read your offer[2 weeks]
Advance rate, eligibility, rate and limits, in writing. If your book can't support a line yet, the offer says so and says what would change that.
Draw as you lendsame day
When a loan fits the rules in your offer, draw for it. You don't prefund anything.
Repay as borrowers repayas it comes in
Repayments pay down our share first, and the rest is yours. As loans close, the limit frees up again.
What it costs
A rate on what's drawn. Nothing on what isn't.
A simple annual rate on the balance you've drawn, shown in your offer before you sign. No origination fee, no fee for an unused line, no warrants.
Where the money comes from
Nobody can freeze your line.
Most lenders to lenders borrow from a bank themselves. When that bank tightens, your line gets cut, usually when you need it most. BitRepo has no bank above us. Our capital comes from Bitcoin holders who lend against their own collateral.
A bank warehouse is funded by deposits that earn their owners almost nothing, and it lasts only as long as the bank wants to keep lending. Bitcoin holders lend because they want their capital to earn, against collateral they already hold, so the money behind your line doesn't hinge on a bank's appetite.
- Thomas Hepner Founder & CEO Built credit infrastructure that has processed $2.5B+ in loan originations and repayments.
- Srijith Padmesh Co-Founder and Head of GTM GTM at Reclaim Protocol and Aztec, selling zkTLS verification to fintechs and lenders so they could underwrite better.
Get an offer
Tell us about your book.
Bring three answers to the call: how much you lend a month, what you lend against, and how long your loans run. If we can't fund your book, we'll say so on the call.
Questions borrowers ask
Straight answers.
Who qualifies?
Originators with a live book, loan-level data, and loans that repay within six months. [Entity and jurisdiction rules.]
Do you lend to my borrowers directly?
No. You're the customer, and we don't build a book on your data.
What does it cost?
A simple annual rate on drawn balance, quoted in your offer. No origination fee and no fee for an unused line.
Do I need to touch crypto?
No. You receive and repay dollars, and your terms don't move with Bitcoin's price. If your repayments come in by bank or card, tell us how and we'll say whether it works.
Why would you say no?
Because if your book can't carry the line, funding it makes things worse for you. We'd rather tell you.