Rates and fees
Everything we charge, on one page
Published before you apply, confirmed before you accept and repeated on the agreement. If a number is not on this page, we do not charge it.
Lending products
Rates shown are fixed for the term| Product | Amount | Rate | Term | Origination |
|---|---|---|---|---|
| Crypto backed credit line Borrow against digital assets held in qualified custody. No credit pull. |
$500K to $15M | 3.00 to 4.75 percent | 10 to 15 years | 5.00 percent |
| Equipment and expansion loan Secured against the asset being purchased, with longer tenors. |
$1M to $100M | 3.00 to 4.50 percent | 10 to 15 years | 5.00 percent |
| Personal loan For consolidating debt, a home project, education or a major purchase. Fixed rate, no penalty for settling early. |
$50K to $5M | 3.25 to 5.00 percent | 10 to 15 years | 5.00 percent |
| Working capital term loan For inventory, payroll, marketing and day to day operating needs. |
$500K to $50M | 3.50 to 5.00 percent | 10 to 15 years | 5.00 percent |
Account and card fees
- Business checking
- Free
- Reserve savings
- Free, 3.85 percent annual yield
- Bitcoin account
- Free to open and hold
- Internal transfers
- Free
- Same day payment
- Free
- Cash App transfer
- Free
- Swap between dollars and bitcoin
- 0.9 percent
- Bitcoin sent out
- 0.00015 BTC network fee
- Bitcoin received
- Free
- Virtual card issue
- Free
- Physical card issue
- Free
- Card delivery, United States
- Free
- Card delivery, international
- $25 to $45
- Cash machine withdrawal
- 1.5 percent
- Crypto conversion spread
- 0.9 percent
- Foreign currency
- 1.2 percent
- Statement copies
- Free
What we never charge
- No application fee
- No monthly service charge
- No early settlement penalty
- No fee to check your options
- No charge for a grant application
- No fee for a replacement card
Late repayments carry a charge of twenty five dollars or five percent of the instalment, whichever is lower.
Talk to us before a payment is missed and that charge is waived.
Open grant programmes
See detail| Programme | Award range | Budget | Closes |
|---|---|---|---|
| Tech Launch Grant | $50K to $2M | $120M | 1 Jan 2028 |
| Main Street Growth Grant | $50K to $1M | $80M | 31 Oct 2027 |
| Women Founders Fund | $100K to $3M | $110M | 14 Apr 2028 |