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. |
$100K to $5M | 6.50 to 12.90 percent | 3 to 36 months | 1.00 percent |
| Equipment and expansion loan Secured against the asset being purchased, with longer tenors. |
$150K to $5M | 9.40 to 15.90 percent | 12 to 84 months | 1.50 percent |
| Working capital term loan For inventory, payroll, marketing and day to day operating needs. |
$100K to $2M | 8.90 to 16.50 percent | 6 to 60 months | 2.00 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
- 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 $150K | $6M | 17 Nov 2026 |
| Main Street Growth Grant | $50K to $100K | $3.2M | 25 Oct 2026 |
| Women Founders Fund | $75K to $200K | $4M | 5 Dec 2026 |