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$100$1,000,000

Factor	Arch Lending	Surge Credit
Lending
Type	Loan	Credit Line
Interest Rate	8.49–11.84% APR (Fixed)	From 6.9% APR (Variable) / 9.9% (Fixed)
Origination fee	Yes	None
Duration	1–24 months, fixed term	12 months, rollover anytime
Terms	Fixed repayment schedule. No flexibility.	Repay any amount, anytime. No penalties.
Fast access to funds	✗	~30 min
LTV flexibility	✓ Up to 60%	50% (expanding)
Globally accessible	✗ US only (limited states)	✓
KYC required	Yes	No
Bitcoin Custody
Custodian	Anchorage Digital Bank	Bitcoin (Taproot vault)
On-chain verifiable collateral	✗	✓
Segregated collateral	✗	✓
Bitcoin-native (no wrapping)	✓	✓
Zero rehypothecation	Claimed, not verifiable	✓ Verifiable on-chain
Unilateral exit	✗	✓

Lending

Type

ARCH LENDING: Loan
SURGE: Credit Line

Interest Rate

ARCH LENDING: 8.49–11.84% APR (Fixed)
SURGE: From 6.9% APR (Variable) / 9.9% (Fixed)

Origination fee

ARCH LENDING: Yes
SURGE: None

Duration

ARCH LENDING: 1–24 months, fixed term
SURGE: 12 months, rollover anytime

Terms

ARCH LENDING: Fixed repayment schedule. No flexibility.
SURGE: Repay any amount, anytime. No penalties.

Fast access to funds

ARCH LENDING: ✗
SURGE: ~30 min

LTV flexibility

ARCH LENDING: ✓ Up to 60%
SURGE: 50% (expanding)

Globally accessible

ARCH LENDING: ✗ US only (limited states)
SURGE: ✓

KYC required

ARCH LENDING: Yes
SURGE: No

Bitcoin Custody

Custodian

ARCH LENDING: Anchorage Digital Bank
SURGE: Bitcoin (Taproot vault)

On-chain verifiable collateral

ARCH LENDING: ✗
SURGE: ✓

Segregated collateral

ARCH LENDING: ✗
SURGE: ✓

Bitcoin-native (no wrapping)

ARCH LENDING: ✓
SURGE: ✓

Zero rehypothecation

ARCH LENDING: Claimed, not verifiable
SURGE: ✓ Verifiable on-chain

Unilateral exit

ARCH LENDING: ✗
SURGE: ✓

Thinking about switching?

Whether you're exploring alternatives, planning a migration, or just want to understand the differences - we're happy to talk.