How Much Can You Borrow Against Bitcoin?

You have Bitcoin. You need cash. The question isn't whether you can borrow—it's how much. The answer depends on one number above all else: your loan-to-value (LTV) ratio . This single metric determines your borrowing power, your interest rate, and your risk of losing your Bitcoin to liquidation. This guide breaks down exactly how much you can borrow against Bitcoin across different platforms and LTV structures
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What Determines How Much You Can Borrow?
When you borrow against Bitcoin, the lender calculates your borrowing capacity based on your collateral's current market value and the platform's LTV limit.

What is LTV? LTV is the ratio of your loan amount to your collateral's value. If you pledge $100,000 in Bitcoin and borrow $50,000, your LTV is 50% . This percentage determines both how much you can access and how much buffer you have against price drops .
A lower LTV gives you a larger safety margin if Bitcoin's price falls—and typically qualifies you for a lower interest rate. A higher LTV gives you more capital efficiency but substantially more risk .
The formula is simple:
Borrowing capacity = Bitcoin value × LTV limit
If BTC is worth $100,000 and platform offers 50% LTV, you can borrow up to $50,000
If platform offers 45% LTV, you can borrow up to $45,000
Platform LTV Limits in 2026
Different platforms offer different LTV limits. Here is how much you can borrow against Bitcoin on major platforms in 2026:
Platform
Max LTV
Max Loan Amount
Key Feature
Nexo
50% (BTC)
Up to $2M
Tiered rates, lowest at ≤20% LTV
Xapo Bank
40%
$1,000,000 per loan
Fixed conservative limit
APX Lending
Up to 60%
Varies
Highest LTV available
Strike Standard
50%
Varies
12-month term, price-triggered liquidation
Strike Volatility-Proof
45%
Varies
No price liquidation, 6-month term

Examples: How Much Can You Borrow at Different LTVs
Here is what different LTV levels mean in practice with 1 BTC at $100,000:
At 20% LTV: Borrow up to $20,000. Low risk—BTC can drop ~50% before hitting typical liquidation threshold. Recommended for conservative borrowers .
At 40% LTV: Borrow up to $40,000. Moderate risk—BTC can drop ~40% before liquidation. Xapo Bank's standard limit .
At 45% LTV: Borrow up to $45,000. Strike's volatility-proof product limit with no price liquidation risk .
At 50% LTV: Borrow up to $50,000. Standard industry limit—BTC can drop ~30-35% before liquidation at typical 65-70% thresholds .
At 60% LTV: Borrow up to $60,000. Maximum capital efficiency—highest liquidation risk. APX Lending offers this tier .
The LTV-Liquidation Relationship
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The LTV you choose determines how much price drop your loan can survive. Most platforms set liquidation thresholds at 65-75% LTV. Once your LTV crosses this line, the platform can sell your collateral to cover the debt.
The math works like this:
At 50% LTV, Bitcoin must drop approximately 30-35% before hitting a 65-70% liquidation threshold.
At 45% LTV, Bitcoin must drop approximately 40% before hitting a 75% threshold.
At 20% LTV, Bitcoin must drop approximately 60-65% before liquidation .
Strike's Volatility-Proof Loans: A Different Approach
Strike launched a new product in July 2026 that removes price-triggered liquidations entirely. Borrowers pay a premium for protection: 45% LTV, six-month terms, and rates 2.95% higher than standard .
What you get: No margin calls. No forced liquidations. As long as you make your payments, your Bitcoin stays yours regardless of price drops . The product offers a 10-day grace period if you miss a payment .
What you give up: Lower borrowing power (45% vs 50%), shorter term (6 vs 12 months), higher APR (10.44% to 14.2%) .
CEO Jack Mallers clarified: "That's why we call it 'volatility-proof,' not 'liquidation-proof.'" Repayment risk still exists .
How to Calculate Your Borrowing Power
Step 1: Determine your Bitcoin value in USD (or your local currency).
Step 2: Check your platform's LTV limit. Most offer 40-50%, some up to 60% .
Step 3: Multiply value by LTV limit. For 1 BTC at $100,000 at 50% LTV = $50,000.
Step 4: Consider your risk tolerance. Borrow less than the maximum if you want a larger buffer against price drops. A conservative approach is keeping LTV around 20%
How OmniLender Can Help
Understanding your borrowing capacity against Bitcoin requires careful consideration of your risk tolerance and financial goals. At OmniLender, we believe in empowering you with the right knowledge to make informed financial decisions. While we are not a crypto lending platform, we are a trusted financial partner dedicated to helping people access the best solutions for their goals.
We know that every financial journey is personal. Whether you are exploring a Bitcoin-backed loan for liquidity or need guidance on more traditional financing, our team is here to provide clear, trustworthy advice. Visit https://omnilender.org/ to learn more about how our expert guidance can support your financial well-being.
How much can I borrow against 1 Bitcoin?
At current prices, this depends on the platform's LTV limit. Most platforms offer 40-50% LTV, meaning you can borrow $40,000 to $50,000 for every $100,000 in BTC . Some platforms like APX Lending offer up to 60% LTV .
What is a safe LTV for a Bitcoin loan?
A conservative approach is 20-30% LTV. At 20% LTV, you can borrow $20,000 against $100,000 in BTC, giving you a large buffer against price drops . This minimizes liquidation risk significantly.
What happens if my LTV exceeds the platform's limit?
You face a margin call requiring you to add more collateral or make a partial repayment. If you don't act and the LTV crosses the liquidation threshold (typically 65-75%), the platform can sell your collateral to cover the debt . Strike's new volatility-proof product removes this risk but caps LTV at 45% .
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Conclusion
How much you can borrow against Bitcoin depends on your platform's LTV limit, your risk tolerance, and your willingness to pay for protection against price drops. Key takeaways: 1) Most platforms allow 40-50% LTV—for every $100,000 in BTC, you can borrow $40,000-$50,000, 2) A lower LTV (20-30%) provides a bigger buffer against liquidation and typically better rates, and 3) Strike's new volatility-proof product offers 45% LTV with no price-triggered liquidations but carries higher rates.
Are you ready to explore the best financial solutions for your unique situation? Visit https://omnilender.org/ today to connect with experts who can help you navigate your financial journey with confidence.