Best LTV for Bitcoin Loans

Maximum LTV is not optimal LTV

Platforms may advertise 60%, 70%, or higher LTV. That tells you the maximum borrowing capacity, not the safest borrowing level. The higher the starting LTV, the smaller the BTC decline needed to trigger a margin call.

Conservative LTV: 25% to 35%

This range is appropriate for larger loans, longer loan terms, borrowers who cannot monitor markets constantly, or anyone using proceeds for a major life event. It gives the most room for volatility.

Moderate LTV: 40% to 50%

This can work for short-term liquidity with a clear repayment source. It is not risk-free: a 50% BTC decline can push a 40% LTV loan toward 80% LTV, which may be near margin-call territory.

Aggressive LTV: above 50%

Higher LTV should be reserved for short durations and borrowers with immediate top-up capacity. It is usually a poor fit for home purchases, emergency liquidity, or long-term borrowing.