Battery Finance Review
Institutional bitcoin-backed lending that blends BTC with income-producing real estate for liquidation-free commercial financing.
Why We Recommend Battery Finance
Battery represents a genuinely novel approach to bitcoin-collateralized lending that solves the core problem plaguing crypto-backed loans: forced liquidations during price volatility. By structuring bitcoin as just 10-30% of the collateral package alongside income-producing real estate, Battery creates institutional-grade credit products that don't trigger margin calls when BTC price drops. This is private credit done properly—10-year fixed-rate terms, single-digit interest rates, and in some deals, no prepayment penalties. The inaugural transaction demonstrated the model's viability: a $12.5 million refinancing of a Philadelphia mixed-use property with bitcoin purchased as part of the collateral stack.
Operating as a majority-owned subsidiary of Newmarket Capital, a Philadelphia-based registered investment adviser, Battery brings traditional financial regulation and fiduciary standards to bitcoin-backed lending. This isn't a startup experimenting with novel collateral—it's an established private credit manager extending their expertise into bitcoin-enhanced deal structures. The upside-sharing mechanics in some transactions, where bitcoin appreciation vests over the loan term and is shared between borrower and lender, create aligned incentives that reward long-term holding rather than short-term speculation. For institutional participants who've watched centralized crypto lenders collapse due to mark-to-market liquidation cascades, Battery's structure represents a fundamentally different risk profile.
Best For
Battery serves institutional borrowers and high-net-worth asset owners who want exposure to bitcoin's long-term appreciation without selling existing holdings or taking on traditional margin-call risk. The ideal borrower owns or is acquiring commercial real estate—multifamily, mixed-use, or other income-producing properties—and wants to redenominate some equity into bitcoin while securing competitive long-term financing. Current deal sizes appear concentrated in the $10-30 million range, making this appropriate for sophisticated borrowers with substantial real estate portfolios.
Bitcoin holders with significant BTC positions who need capital for real-world acquisitions represent another core audience. Rather than selling bitcoin to fund a property purchase, these borrowers can use Battery's structure to maintain bitcoin exposure while accessing long-term, fixed-rate financing. The 10-year terms and flexible prepayment options provide stability that typical crypto-backed lending platforms simply don't offer. This model essentially lets borrowers bring forward some of bitcoin's expected future value to fund current projects.
Institutional lenders and private credit investors looking for differentiated yield opportunities may also find Battery's approach compelling. By combining traditional underwriting on income-producing assets with bitcoin upside participation, the platform creates a hybrid return profile that doesn't exist elsewhere in private credit markets. However, this is currently U.S.-focused with relationship-driven origination—there's no self-service platform or standardized application process.
Services & Features
Considerations
This is an institutional private credit platform, not a retail lending product—expect eight-figure minimums and relationship-driven deal structuring rather than online applications. Detailed terms, custody arrangements, and fee schedules require direct engagement with the Battery/Newmarket team, as the public website offers minimal information.
