How much can I borrow against my Bitcoin?
Estimate a starting amount and see how existing debt changes the room available.
Read the guide →Learn · Bitcoin-backed planning
Learning Center
Start with a question. Work through an example, change the assumptions, then explore the fuller model in the planner.
Borrowing basics
How interest changes Bitcoin-backed debt
Separate interest paid from interest added to debt, and check when new draws enter the model.
Read the guide →How repayments change Bitcoin-backed debt
Compare principal repayments, interest, and later balances.
Read the guide →How future borrowing changes your Bitcoin loan plan
Separate cash borrowed from interest and understand checkpoint timing.
Read the guide →Collateral risk
Bitcoin loan-to-value, explained
Learn the ratio and separate current LTV from lender thresholds.
Read the guide →What does a modeled Bitcoin liquidation price mean?
Work backward from a chosen LTV threshold, then separate the model from a real lender event.
Read the guide →How much BTC would a collateral top-up require?
Compare the additional pledge needed for a chosen LTV with the reserve you actually have.
Read the guide →Price scenarios
What if Bitcoin falls 20%, 30%, or 50%?
Hold debt constant and compare the effect of lower prices on LTV.
Read the guide →Comparing options
Borrowing versus selling Bitcoin: compare the same cash need
Account for debt as well as retained BTC, using matched assumptions.
Read the guide →Model assumptions
Bitcoin loan assumptions and lender checklist
Review the model conventions and questions to check in a loan agreement.
Read the guide →More help and model details
Find answers about using Stack Runway, or review the assumptions and limitations behind the calculations.
Try your own numbers
Explore a borrowing scenario in the planner.