Loan Calculator

How Much Bitcoin Do You
Need for a Loan?

Set your loan amount and interest rate — see exactly what you lock, what you receive, and what settlement looks like across every price scenario.

No liquidations
Fixed at inception
Keep your keys
1-year term
Loan Parameters
Adjust loan amount and interest rate below.
LTV
50%
Term
1 Year
Cadena Fee
1%
Loan Amount (USD)$50,000
$1K$1M
Annual Interest Rate8.0%
2%18%
Create Your Loan on Cadena →
Your Position
Switch perspectives to see either side of the loan.
You Retain
Bitcoin exposure of $50,000
No disbursement — your BTC stays productive as collateral
Note: The Bitcoin is locked as collateral — there is NO disbursement. If you need USD, you will need to sell Bitcoin from your remaining stack to convert to USD. At maturity, you repay loan + interest in Bitcoin automatically from the collateral. The borrower maintains the full upside of the Bitcoin collateral throughout the term.
You Lock (Borrower Collateral)
Loan principal (matching the lender) $50,000
2× Interest buffer$4,000 interest × 2 $8,000
1% Cadena fee $500
Your total BTC locked 0.9230 BTC= $58,500
Your Obligations at Maturity
Repay in BTCLoan principal + interest $54,000
Lender collateral (for reference) 0.7889 BTC= $50,000
Final Settlement — Borrower Payout
No liquidations along the way. BTC price moves don't affect anything until maturity. At year-end, the DLC pays out based on the settlement price:
BEAR −30%
BTC @ $44,364
0.4948 BTC
≈ $21,950
Repay $54,000. No liquidation through the drawdown.
FLAT
BTC @ $63,378
0.8599 BTC
≈ $54,500
Repay $54,000. Used $50,000 cash for 1 year.
BULL +50%
BTC @ $95,067
1.1439 BTC
≈ $108,750
Repay $54,000. Keeps 100% of BTC upside.