Crypto Financing

Enness brokers high-value crypto finance. The team are expert cryptocurrency loan brokers and specialise in sourcing and negotiating deals in the million-pound-plus space but can support you if you are looking to borrow £100,000 or more. 

If you hold significant, mainstream cryptocurrencies, you will, in theory, be eligible for crypto finance, provided the loan is affordable, and the lender is satisfied with your plans and exit. The more you want to borrow, the more careful lenders will be, and in any high-value crypto loan, how you present your case will be imperative in securing crypto finance and how much you can borrow.

Crypto loan lenders understand the current landscape for borrowers and some of the challenges this can create (lack of mainstream lenders, you may have little liquidity, etc.). Being transparent and presenting all the facts accurately is critical – don’t try and outthink your lender and present what you assume they want to see. Lenders are astute and always uncover the whole story, and you will find that not presenting your case correctly from the get-go will slow down your application process and create unnecessary doubt.

It is presenting the facts in the right way that usually makes a difference in high-value crypto finance deals. Working with a crypto finance broker is often the best way to present your case and negotiate the best rates and terms. Enness will explain your case in a way that is appealing to the lender, and that satisfies their demands or questions. Your broker will also be able to use the merits of your background or situation to open the door to negotiation and secure the best rates and terms possible.

Lastly, to be eligible for crypto finance, the loan must be affordable. If you cannot comfortably support repayments, lending will not be an option, even if you have very significant wealth tied up in cryptocurrencies.

Borrowers do not need a steady source of income in order to meet the loan conditions. Crypto loans are non-recourse which means no other assets or any other cash flow are needed to back the loan.

Enness are able to arrange payments to be rolled up and paid at maturity.
 

Yes, Bitcoin can be borrowed against in the UK. This option is also available in a range of other key jurisdictions. These include:

• Switzerland
• United States
• Singapore
• Europe

By using Bitcoin as collateral, you can access custom lending solutions without needing to sell your cryptocurrency holdings.

The top 20 coins that are currently trading are typically the the most easily acceptable cryptocurrencies for lenders to lend against. These include popular coins such as Bitcoin and Ethereum. The eligibility, however, depends on the lenders criteria and the individual loan agreement.

Crypto-backed loans can be arranged for both individuals and businesses. Enness helps company directors and entrepreneurs use business-held crypto assets to unlock liquidity for expansion, cash flow, or other corporate finance purposes.

Yes, you can use crypto-backed lending to fund UK property acquisitions. Enness regularly structures these loans for high-net-worth individuals looking to purchase residential or investment property without liquidating crypto holdings.

Unlike traditional loans, crypto loans are secured by digital assets rather than fiat collateral or credit checks. This allows borrowers to access liquidity without selling their crypto or going through lengthy bank processes. They're typically faster to arrange, especially for HNWIs with large holdings.

Some crypto lenders offer interest-only payment structures, deferred capital repayment, or customised terms depending on your profile. Enness negotiates bespoke facilities for clients with specific cash flow or strategic needs, including flexibility on loan terms and repayment dates.

Crypto-backed lending allows you to borrow funds by using digital assets like Bitcoin or Ethereum as security. Unlike conventional finance, which depends on credit checks, income verification, and lengthy underwriting, crypto lending is typically faster and more flexible. The value of your crypto, not your credit score, determines the amount you can borrow.

At Enness, we arrange large, bespoke loans using your crypto holdings while maintaining your exposure to the asset.
 

Yes, you can unlock capital without liquidating your crypto. With crypto-backed lending, you pledge your assets as collateral, which allows you to borrow fiat currency while still keeping full upside exposure if the value of your crypto rises.

Enness structures these types of loans so you retain ownership of your portfolio, without triggering a sale or potential tax event.
 

Speed is a major advantage of crypto-backed lending. Once your assets are verified and secured, funds can often be released within 24 to 72 hours.

At Enness, we streamline the process by working with lenders who understand crypto and can move quickly, especially for high-value transactions.

Whether you need short-term liquidity or are planning a strategic investment, fast access to capital is part of the service.
 

Yes. Enness works with specialist crypto lenders and select private banks who accept Bitcoin and Ethereum, and in some cases other major cryptocurrencies,  as collateral for loans. Advance rates are typically 30–50% of the cryptocurrency's value, reflecting price volatility. Loans are denominated in fiat currency. Enness structures these facilities to ensure borrowers understand liquidation thresholds and margin call triggers before proceeding. 

Yes, provided the source of funds is fully documented and AML-compliant. Enness guides clients through the process of using cryptocurrency proceeds to fund a UK property purchase. Lenders, solicitors, and the UK's AML regulations require a clear audit trail showing how the crypto was acquired, when it was converted to fiat, and through which exchange. Enness works alongside legal advisers to ensure this documentation is in order before approaching lenders. 

Yes. Enness has access to lenders who consider diversified portfolios across multiple major cryptocurrencies, not just Bitcoin and Ethereum. The advance rate will reflect the volatility profile and liquidity of each individual asset, with more established coins attracting better terms. Enness reviews the portfolio composition before approaching lenders to structure the most competitive facility available. 

In most crypto-backed lending arrangements, the cryptocurrency used as collateral typically needs to be held with an approved custodian or secured within a lending platform for the duration of the loan. This allows the lender to manage risk and maintain the agreed loan-to-value structure.

However, the exact structure depends on the lender. Some institutional and specialist providers offer solutions where assets remain within regulated custody environments rather than being transferred to retail lending platforms, which can provide additional reassurance for high-value borrowers.

Crypto-backed loans are commonly secured against major assets such as Bitcoin or Ethereum, although diversified portfolios may also be considered depending on liquidity and volatility profiles. Working with a specialist broker helps identify lenders offering institutional-grade custody arrangements and structures aligned with broader wealth strategies.