Embedded credit. On demand.
Embed credit that funds each draw. BitRepo funds each payout, card swipe, invoice or loan as it goes out, and an undrawn line costs nothing. You keep your users and your underwriting.
We don't lend to your users. We fund the credit you offer them.
Who we fund
Lenders, not their borrowers.
How it works
The funding process.
Show us how you lend
Your users, the data you underwrite on, and your repayment history if you have one.
Start with a pilot
Small pilots first. Larger commitments follow as repayments come in.
Draw as credit goes out
Each payout, card swipe, invoice or loan is funded as it goes out.
Grow on repayment evidence
Repayments pay down each draw, and your limit grows as they land.
Where the money comes from
Nobody can freeze your line.
Most lenders borrow from a bank, and bank lines get cut the moment capital gets tight. BitRepo has no bank above us. Our capital comes from Bitcoin holders who lend against their own collateral.
- Thomas Hepner Founder & CEO Built credit infrastructure that has processed $2.5B+ in loan originations and repayments.
- Srijith Padmesh Co-Founder and Head of GTM GTM at Reclaim Protocol and Aztec, selling zkTLS verification to fintechs and lenders so they could underwrite better.
Before you book
We're early, and we're picky about who we fund.
If we're not the right capital for you, we'll tell you on the first call.