pledgeFor a $1M+ loan, the ranking is the starting point, not the answer.
Above $1M, published rates miss most of what matters: custody structure, term flexibility, jurisdiction, jumbo-specific covenants, and which private-client desk actually wants your shape of loan this quarter. Send us a short intake and we'll email you a shortlist of 2–3 desks that fit — at no cost.
Read your intake, surface the 2–3 lenders that fit your situation, and email you a shortlist with context. If a warm intro helps, we make it.
We are not a broker. We do not quote rates, negotiate terms, take custody, or collect commissions from you. Lenders set their own terms.
Three steps. All by email.
No call required. You send a short intake; we send back offers. Most intakes get a shortlist back within 2 business days.
Loan size, BTC collateral on hand, jurisdiction, target term (if you have one), and anything else that narrows the lender shortlist. ~2 minutes of typing.
Specific desks at specific firms — not a generic list. We share what the 8-factor methodology says about your trade-offs and which desks have appetite for your shape this quarter.
You contact the desks directly (or ask us to make warm intros). When term sheets come back, reply to the email if you want a second pair of eyes on the covenants — liquidation, cure window, rehypothecation, governing law.
Borrowers with real Bitcoin who want a thoughtful starting point.
- +Loan size $1M and up, US or international.
- +Owner-operators, family offices, foundations, trusts.
- +Borrowers comparing custodial CeFi against multisig CeFi against on-chain DeFi.
- +Anyone who has already read the terms and wants a second pair of eyes.
Below $1M, you'll do better self-serving from the ranking.
- −Loans below $1M — the published rates already reflect what you'd get.
- −Borrowers looking for tax avoidance schemes or non-recourse structures.
- −Anyone who hasn't already read at least one Pledge lender profile end-to-end.
- −Lenders pitching us their products (we're not taking partner inquiries through this form).
How we're paid and what we're not.
You pay nothing to Pledge for the intro, the briefing, or the contract walkthrough. Ever.
Pledge currently does not earn referral or affiliate revenue from any lender. If that changes, every lender on the ranking will carry a clear ↗ AFFILIATE marker before any monetized intro happens.
We don't hold a broker-dealer license, we don't quote rates, we don't negotiate on your behalf. We introduce, brief, and translate. The lender sets all terms.
No assets ever flow through Pledge. You go directly to the lender; collateral and proceeds move between you and them.
The methodology determines rank. If we ever add a referral relationship, the methodology still determines rank — full stop.
If you want a signed NDA before sharing more, mention it in the notes field. Standard mutual NDA, no friction.
Above roughly $25M, loans are placed through private-client and OTC desks whose appetite varies by quarter — some loan shapes won't have a fitting lender, and turnaround can exceed two business days. If we can't match you, we'll tell you.