Instant Liquidity
Draw from your line in days, not weeks, with no sale and no tax event...
Who We Are
Two paths to working capital, one credit desk
Candos Investment funds businesses and individuals two ways: crypto-backed credit lines that let Bitcoin and Ethereum holders borrow without selling their coins, and traditional business loans approved on credit score and three months of bank statements. Whichever path fits your situation, our credit desk reviews every application personally and responds within 24 hours.
How one client expanded without selling a single coin
MMeridian Freight
We needed capital for a second depot but selling our holdings would have cost us the position we spent four years building. The Candos Investment Credit Line released the funds in days and we still own every coin we started with.
Adaeze Mbanefo
Director, Meridian Freight
A credit line built around what you already hold
Guarded Custody
Collateral is held in segregated custody with multi-signature controls and daily reconciliation...
Position Clarity
Collateral Mix
1 Apr – 30 Jun 2026
50%loan-to-value
Room To Grow
Fund inventory, premises, or payroll while your position keeps working for you...
No crypto required
Working capital for businesses without digital assets to pledge
Don't hold crypto? Borrow against your business instead
Our Business Loan is built for companies that need working capital fast and would rather qualify on their credit history and cash flow than pledge digital assets. Approval rests on your credit score and three months of bank statements — nothing else to gather.
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A qualifying credit score
No digital assets required. We assess your business and personal credit standing to set an indicative limit.
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3 months of bank statements
Show us how cash moves through your business. Consistent deposits matter more than a perfect balance sheet.
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Fast, plain-language approval
A named credit officer reviews your file and comes back with a decision, not a portal full of forms.
- Loan amount
- $5,000 – $150,000
- Term
- 3 to 24 months
- Interest
- From 11.9% APR
- Time to funding
- 3 to 5 business days
Business Loan questions, answered
We typically look for a personal or business credit score of 620 or higher. Businesses just below that threshold can still be considered if bank statements show consistent, healthy cash flow.
We need your business's primary operating account statements for the last 3 consecutive months, showing regular deposits. Personal accounts, screenshots, or statements with hidden transactions are not accepted — full PDF statements direct from your bank work best.
Yes. There is no minimum time in business required, but at least 3 months of statements showing steady revenue gives our credit officers enough history to make a fast decision.
Funds are meant for working capital — inventory, payroll, equipment, marketing, or expansion costs. We do not require a spending plan upfront, just a general idea of what you're funding on your application.
Estimate your monthly payment
Based on our standard Business Loan rate of 11.9% APR. Your actual rate depends on your credit review.
$50,000
$5,000$150,000
12 months
3 months24 months
- Est. monthly payment
- $4,440
- Total repayment
- $53,281
- Total interest
- $3,281
This estimate is illustrative only and does not represent a loan offer. Your final rate and terms are confirmed after credit review.
Trusted & Compliant
Apply for a Business Loan
Ready to move forward? Tell us about your company and the amount you're looking for, and a credit officer will follow up within 24 hours.
Four steps from holding to working capital
Every application is reviewed by a named credit officer, not an automated queue. Here is exactly what happens from your first message to funds landing in your account.
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01
Tell us what you hold
Share the assets you intend to pledge and the amount you want available. We assess eligibility and confirm your indicative limit the same week.
Typical response: within 24 hours, with approval to funding taking 3 business days.
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02
Move collateral into custody
Your Bitcoin, Ethereum, or stablecoins transfer into segregated custody. You keep ownership throughout the life of the facility.
Custody is multi-signature and reconciled daily, with your holdings never commingled with ours.
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03
Draw only what you need
Your line stays open. Take cash for a single project or in stages, and interest accrues only on the balance you have actually drawn.
Funds are wired directly to your business account, usually within one to two business days of a draw request.
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04
Repay and release
Repay on your own schedule, top up collateral if markets move, and your assets are returned in full when the line closes.
No early repayment penalty. Partial repayments lower your accruing interest immediately.
Ready to see what your holdings could unlock? Tell the credit desk what you have and what you are funding.
Request a Credit LineBorrowers who kept their position and got to work
We pledged part of our Bitcoin position instead of selling it and walked away with a credit line that covered two new trucks within three weeks. No tax event, no waiting on a bank committee — just a straightforward draw against collateral we already held.
Marcus Reyes
Founder, Reyes Freight & Logistics
I was sitting on Ethereum from years ago and didn't want to trigger a taxable sale to fund a second storefront. Candos structured a line at 50% loan-to-value, and I drew against it in stages as build-out costs came in. The reporting made it easy to plan repayment around our seasonal cash flow.
Dana Whitfield
Owner, Whitfield Home Goods
Our whole team sat down to map out an office expansion, and the credit desk answered every question directly instead of routing us through a call center. Collateral moved into custody in under a week, and we had working capital in hand before our lease renewal deadline.
Priya Anand
Operations Lead, Anand & Co. Consulting
Security & Custody
Your assets stay protected, always
We work with regulated, institutional-grade custodians and hold ourselves to independently audited security standards, so you can pledge collateral with confidence.
SOC 2 Type II
Independently audited controls for security, availability, and confidentiality of borrower data.
ISO 27001 Certified
Information security management aligned with the international standard for handling sensitive assets.
Insured Cold Storage
Pledged collateral is held in segregated cold storage, insured against theft and custodial loss.
Custody Partners
Fireblocks
BitGo Trust
Anchorage Digital
Coinbase Custody
The terms, stated plainly
- Loan-to-value
- Up to 75%Set per asset and reviewed daily
- Minimum facility
- $2,000No maximum for reviewed cases
- Interest
- From 9.4% APRCharged on drawn balance only
- Term
- 6 to 36 monthsRenewable, repay early at no penalty
- Accepted collateral
- BTC, ETH, USDCFurther assets on request
- Time to funding
- 3 business daysFrom approval to funds landing
Questions borrowers ask first
Do I ever have to sell my crypto?
No. Your assets are pledged as collateral and returned in full once the facility is repaid. You keep the upside of your position throughout.
What happens if the market falls?
We monitor your loan-to-value daily and contact you well before any threshold is reached, so you can top up collateral or repay part of the balance.
What can I use the funds for?
Anything your business needs: inventory, premises, equipment, payroll, or bridging a contract. We ask about the purpose only to size the facility sensibly.
Talk to the credit desk
Send us a short note about the assets you hold and what you are funding. We will come back with an indicative limit, a rate, and the next step.
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Email ussupport@candosinvestment.com
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Our office317 E Capitol St Ste 200, Jackson, MS 39201
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Credit desk hoursMonday to Friday, 9:00 – 18:00
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Every enquiryReviewed by a named credit officer, answered within 24 hours