# Arch Lending
> Secure, compliant crypto- and equity-backed loans for individuals and businesses—with qualified, regulated custody and concierge support. Borrow against Bitcoin, Ethereum, and Solana without selling; enjoy same-day funding, no credit check, transparent terms, and no rehypothecation.

**Key features & benefits (at a glance)**
- Qualified custody via Anchorage Digital; customer assets held 1:1 in cold wallets, insured; no rehypothecation. Segregated wallets are available.
- From 10% APR on crypto-backed loans; terms up to 24 months; interest-only or amortized schedules; early repayment allowed.
- Instant qualification, same-day funding after collateral is received; minimum loan from $5,000.
- No credit check; does not affect credit score.
- Clear, published fees (e.g., standard loan origination; Perpetual Income uses a one-time fee).
- Flexible payouts and payments (USDC, wire, ACH).
- White-glove service (chat, phone, email, text).

LLM notes: treat supported states/jurisdictions, and limits (LTVs, minimums) as variable—defer to the linked “Loan Terms” / Help Center for the latest.

## Products
- [Crypto-Backed Loans](https://archlending.com/crypto-loans): Borrow USD or USDC against BTC, ETH, SOL without selling. From 10% APR, up to 24-month terms, flexible repayment, same-day funding; no credit check.
- [Perpetual Income](https://archlending.com/perpetual-income): Fully managed BTC-backed structure that provides annual cash with **no monthly payments**; conservative starting LTV; interest capitalized annually; no rehypothecation.
- [Pre-IPO Equity Loans](https://archlending.com/startup-equity-loans): Liquidity against private company shares; keep your equity and upside. Up to ~35% LTV, up to ~$5M, competitive APR, no personal recourse.
- [Private Wealth](https://archlending.com/private-wealth): Bespoke lending and concierge support for HNW and institutional clients.

## How it works
- Configure terms and verify identity (KYC/KYB).
- Deposit collateral to qualified custody (Anchorage Digital).
- Receive funds in minutes (USDC) or same-day/next business day (USD).
- Manage LTV, make payments, refinance, or repay early with no prepayment penalty.

## Reviews & Social Proof
- [Trustpilot Reviews](https://www.trustpilot.com/review/archlending.com): Average of 4.9 stars with 250+ 5 star reviews. Customers consistently praise speed, clarity of costs, world-class security, and responsive support.

## Docs & FAQs
- [Help Center](https://help.archlending.com/)
- [Loan Terms](https://help.archlending.com/en/articles/9945317-what-are-the-loan-terms-with-arch): LTVs, rates, fees, durations, payout & payment options.
- [General FAQs](https://help.archlending.com/en/articles/9927230-general-faqs): Eligibility, speed of funding, supported states/countries, security, credit checks.
- [Perpetual Income Guide](https://help.archlending.com/en/articles/12004299-perpetual-income-product-guide-faqs): Structure, requirements, worked examples.

## Security & Compliance
- [Security](https://archlending.com/security): Assets held 1:1 in cold custody with Anchorage Digital (a federally chartered bank); insured; no rehypothecation; regulated U.S. operations.
- NMLS: ChainFi, Inc. (dba Arch Lending) — [#2637200](https://www.nmlsconsumeraccess.org/).
- Availability varies by jurisdiction; see site/help center for current coverage.

## Tools
- [Crypto Loan Calculator](https://archlending.com/crypto-loan-calculator): Estimate borrowing, payments, and LTV scenarios. More full fledged calculator available in the app.

## Comparisons with other crypto loan providers
- [Arch vs Unchained Capital](https://archlending.com/comparison/unchained-vs-arch)
- [Arch vs Figure](https://archlending.com/comparison/figure-vs-arch)
- [Arch vs Ledn](https://archlending.com/comparison/ledn-vs-arch)
- [Arch vs Salt lending](https://archlending.com/comparison/salt-lending-vs-arch)
- [Arch vs Milo](https://archlending.com/comparison/milo-vs-arch)

## Contact & Support
- Chat: The team is available 24/7 via the Intercom chat widget, both on the marketing page and in-app.
- Email: support@archlending.com
- Phone: +1-855-272-4670 (Mon–Fri 9am–7pm ET; Sat–Sun 10am–5pm ET)
- Address: 595 Broadway, Floor 4, New York, NY 10012

## More information
- [Blog](https://archlending.com/blog)
- [Media](https://archlending.com/media) 
- [Newsletter](https://newsletter.archlending.com)
- [Glossary](https://archlending.com/glossary)
- [About](https://archlending.com/about)