Getting money to fund a business is often a challenge. Traditional banks make this process long and difficult. Many companies need faster solutions to meet their goals. In 2025, crypto-backed loans have become a popular option. These loans help businesses get the funds they need quickly without selling their cryptocurrency.
Platforms like Nebeus offer flexible, fast, and secure ways for companies to borrow money using crypto as collateral. This guide explains how these loans work and why they’re a smart choice for modern businesses.
What Are Crypto-Backed Loans?
Crypto-backed loans are loans where you use your cryptocurrency as security. Instead of selling your Bitcoin or Ethereum, you deposit it as collateral and receive cash in return. This cash can be in EUR, GBP, or USD.
With Nebeus, companies and accredited investors can borrow between €50,000 and €2 million. They receive up to 65% of the value of their crypto. Loan terms last 12 months, with possible extensions to 24 months.
Why Businesses Choose Crypto Loans
1. Speed and Simplicity
Time is important for any business. Traditional loans can take months. Nebeus offers same-day processing for up to 10% of the loan amount, capped at €200,000. The rest of the loan can be completed within a week.
This quick access to funds can help a company start a project, fix cash flow issues, or take advantage of a new opportunity without delay.
2. No Need to Sell Crypto
Many businesses hold cryptocurrency as an investment. Selling it might mean losing out on future gains. A crypto-backed loan allows them to keep their crypto and still get the money they need. This means companies can borrow, spend, and repay while their digital assets continue to grow in value.
3. Lower Interest Rates
Nebeus offers a fixed interest rate of 8.5% per year. That’s often lower than what traditional banks offer. With no need for a perfect credit score or complex paperwork, crypto loans become much easier to access.
4. Global Access
Crypto-backed loans are available worldwide. Businesses from different countries can use them without facing local banking restrictions. Nebeus operates under EU financial regulations and follows strict anti-money laundering rules (AMLD5), making it a safe and legal option.
Who Can Apply?
Crypto-backed loans are open to different types of users, including:
- Startups and established businesses
- Crypto miners
- Professional traders
Let’s see how each group can benefit.
Use Cases for Crypto-Backed Business Loans
Funding a New Business
Startups often struggle to get funding from banks. With crypto-backed loans, entrepreneurs can use their digital assets to start a business, buy equipment, or hire staff.
The process is fast, and the business owner does not need to give up ownership of their crypto.
Expanding an Existing Business
Established companies may need extra funds for growth. A crypto loan can help them complete a project, open a new location, or invest in marketing—all without taking on long-term debt.
Helping Crypto Miners
Miners can borrow against their Bitcoin or Ethereum to upgrade machines, improve energy efficiency, or expand operations. Instead of selling their assets in a bear market, they can borrow and repay later when prices are higher.
Supporting Professional Traders
Traders often need capital to open more positions or manage short-term cash needs. Crypto loans help them act quickly without selling their holdings.
Benefits of Crypto-Backed Loans
- Keep Your Crypto and Get Cash
The biggest benefit is that you don’t lose your assets. You borrow cash while your crypto remains untouched. Once the loan is repaid, your crypto is returned.
- Avoid Capital Gains Taxes
Selling crypto usually creates a taxable event. But borrowing against it is not taxable in most countries. This can help businesses reduce tax bills while getting the funds they need.
- Use Different Coins as Collateral
Nebeus allows you to use Bitcoin (BTC), Ethereum (ETH), or Litecoin (LTC) as collateral. This gives more flexibility depending on what assets you hold.
- No Business Plan or Credit History Required
Traditional banks ask for business plans, profit reports, and credit checks. Nebeus doesn’t. If you have enough crypto, you can get a loan. It’s that simple.
- Extra Protection in Volatile Markets
Markets move fast. Nebeus offers an optional protection service to help keep your crypto safe during market drops. This gives businesses more peace of mind while they focus on growth.
How to Apply for a Crypto Loan with Nebeus
Getting started is easy:
- Create an account on Nebeus and complete identity verification.
- Deposit your crypto collateral (BTC, ETH, or LTC).
- Choose your loan amount, currency, and duration.
- Receive part of the loan within 24–48 hours, and the full amount within a week.
Every borrower also gets a dedicated account manager to guide them through the process.
In 2025, businesses need faster, smarter ways to get funding. Crypto-backed loans give companies the power to grow without selling their digital assets or waiting for months.
With platforms like Nebeus, loans are fast, flexible, and safe. Whether you're a startup owner, a miner, or a trader, crypto loans offer a simple way to access cash while keeping your crypto investments.
They also offer global access, legal compliance, and support from financial experts. In a world where speed and flexibility matter, crypto-backed loans are helping companies take control of their financial future.
Ready to unlock the value of your crypto and fund your business without selling your assets? Apply for a crypto-backed loan with Nebeus today and get started in just minutes!
