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Arch Lending

Est. 2022·
🇺🇸
United States
Visit Arch Lending →
Lender
Last verified Oct 9, 2026
Founded
2022
src: company records
Company Type
Private
src: 21Rates
Max LTV
60%
src: Arch Lending — FAQ · as of Oct 7, 2026
Rehypothecation
No
src: Arch Lending — Trust & Safety · as of Oct 8, 2026
Insurance
$100M (Lloyd's, via Anchorage Digital)
src: Arch Lending — Trust & Safety · as of Oct 8, 2026

News & coverage

About Arch Lending

Arch Lending provides bitcoin backed loans, with funding in USD or USDC and collateral held with a qualified custodian and no rehypothecation.

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Key Facts

Verified data
Interest Rate
Annual interest rate range (e.g. "9%–14%")
Max LTV
Maximum loan-to-value ratio
Rehypothecation
Whether lender rehypothecates collateral
Custodian
Name of the custodian holding collateral
Liquidation LTV
LTV at which collateral is liquidated
Custody Model
Custodial or Non-custodial lending model (custodial | non-custodial)
Regulatory License
Regulatory license or charter held by the company (e.g. NYDFS Trust Charter, BitLicense)

Is Arch Lending safe?

Rehypothecation
No · As of Oct 8, 2026 Source
Insurance
$100M (Lloyd's, via Anchorage Digital) · As of Oct 8, 2026 Source
Regulatory License
NMLS #2637200 · As of Oct 8, 2026 Source

Leadership

Dhruv Patel
Dhruv Patel
CEO & Co-founder
Himanshu Sahay
Himanshu Sahay
CTO & Co-founder

Fees & rates

As of Oct 19, 2026 · Source

Bitcoin-collateralized lending service offering competitive rates for BTC holders who want liquidity without selling. Features no credit checks, segregated cold storage for collateral, and flexible repayment terms.

Rate7.25–10.49% APR
Loan Range$5,000 – Negotiable
Term Range1 – 12 months

Recent Reviews

Bravo★★★★☆Jun 6, 2026

Excellent I recently used 21Rates to learn about Bitcoin and Bitcoin options. The platform is easy to navigate, and the educational content is clear and beginner-friendly. The quizzes helped me test my understanding, and I learned useful concepts such as calls, puts, spreads, and risk management. Overall, it is a helpful resource for anyone interested in improving their knowledge of Bitcoin and related financial products.

Richard★★★★☆May 19, 2026

My Experience with Arch Lending - Quick Review I looked into Arch Lending recently, so here’s my take based on what I found and what borrowers usually talk about: What stands out Arch Lending focuses on crypto-backed loans. The main appeal is you can borrow cash or stablecoins against your BTC, ETH, etc., without selling. That means you keep exposure if prices go up, and you avoid a taxable event. Rates and LTVs vary, but they’re generally competitive compared to other CeFi lenders. The process is mostly online, and funding is pretty fast once you move collateral over. Customer support actually responds - which is more than I can say for some platforms. Things to watch Like any crypto loan, the risk is liquidation if collateral value drops. They do have margin calls, so you need to monitor your position or set alerts. Also, since it’s not a traditional bank, it’s not FDIC insured. Your collateral is held by a custodian, so you’re trusting their security setup. Bottom line If you need liquidity and don’t want to sell your Bitco

Sarah Mitchell★★★★★Jan 17, 2026

Fast and Easy Crypto-backed Loans with Arch Lending I’ve used Ait a few times for quick crypto-backed loans, and it’s been a great experience. The process is fast, and the terms are clear. Interest rates are competitive, but I wish they offered more flexible repayment options. Overall, a solid choice for liquidity.

Company Details

Year formed2022
HQ countryUnited States
Founded inAtlanta, GA
Min loan$5,000
Max LTV60%
Rate7.25–10.49% APR

Data Provenance

✓Facts verified by 21Rates research · Oct 9, 2026
✓3 sources cited on this page
21rates.com/companies/975/arch-lending · structured data: Organization · Person ×2 · AggregateRating · VideoObject ×3

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