Borrow smarter. Build while you borrow.
Most loans help you spend. An Investment Line of Credit (I-LOC) helps you build. Instead of borrowing money to cover short-term expenses, an I-LOC automatically turns each draw into an investment you own. That means your debt is linked to something with long-term growth potential — not just a balance on your statement.
How it works
Think of an I-LOC as having two phases: build and repay.
Apply & activate You apply like any other credit product. Once approved, you activate your line for a small fee.
Set your monthly draw For 12 months, you choose how much you want to borrow each month.
Automatic investment Each draw is combined with your contribution and automatically invested in your chosen asset, like Bitcoin or ETFs.
Switch to repayment After the draw period ends, your loan balance converts into fixed monthly payments spread over four years. You repay while your investments remain in your vault.
Co-investment explained
Here’s what makes I-LOC different from a traditional loan: you and the line co-invest together.
The ratio is risk-adjusted based on your credit profile, but here’s a simple example: if the ratio is 1:4 and you contribute $50, the I-LOC adds $200, and $250 is invested that month. Month after month, that builds into a growing investment position.
Built-in discipline: Dollar-Cost Averaging
Instead of trying to time the market, the I-LOC uses a steady, monthly purchase schedule. This approach — known as Dollar-Cost Averaging (DCA) — spreads out your entry points, reducing the stress of big one-time bets and smoothing out volatility over time.
What you get
Measured leverage: The co-investment structure gives you more buying power, but in a disciplined way that adjusts to your credit profile.
Predictability: After the first year, you know exactly what your monthly payments will be.
Tax deferral: Your investments sit in custody until you choose to redeem them. In many cases, that means you only face taxes when you sell.
Flexibility: You can redeem at any time (a small service fee applies), and your loan balance is reduced first.
Costs to expect
The I-LOC keeps fees simple and transparent:
A floating interest rate that adjusts with market conditions (plus a risk-based spread).
A one-time activation fee when you open your line.
A small annual fee to cover custody and administration of your investments.
A service fee when you redeem.
No prepayment penalties — you can pay down your balance early if you want to.
What can you invest in?
BTC I-LOC: The flagship product. Every draw is invested into Bitcoin, held securely with licensed custodians.
ETF I-LOC: The same mechanics, but with diversified ETF portfolios for investors who prefer traditional assets.
Why people use it
I-LOC was designed for builders, not speculators. It’s a good fit if you:
Want exposure to Bitcoin or ETFs but don’t have large upfront savings.
Prefer a structured, automated plan instead of timing the market.
Like the idea of turning credit into an asset-building tool instead of just debt.
The bottom line
An I-LOC takes the familiar idea of a line of credit and flips it into an asset-building strategy. By combining your own contribution with borrowed funds, investing consistently month after month, and then paying it down over four years, you’re left with more than just a loan - you’re left with a portfolio.
It’s borrowing with a long-term purpose.