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Lending Help

11. Create a loan offer​

  1. Open Collections.
  2. Select the collection you want to lend against.
  3. Choose Lend.
  4. Enter the principal amount.
  5. Review the fee, total approval, lender interest, platform interest, and amount returned after repayment.
  6. Approve the required wallet transactions.

The open offer is visible to borrowers until it is accepted or cancelled.

Choose an amount​

CollaFi does not impose a maximum LTV. Consider the floor price, collection liquidity, recent sales, default-claim fee, and the possibility that the NFT price falls before setting an offer.

Cancel an open offer​

Open offers can be cancelled from Portfolio. You can cancel one offer, all offers for a filtered collection, or all eligible offers. Bulk cancellation combines eligible principal into the available bulk refund flow.

12. Create bulk offers​

Bulk offer creation supports up to 10 offers for one collection.

Manual amounts​

Enter each principal amount separately when you already know the desired offer values.

Automatic offer generation​

Automatic generation creates a sequence from a starting amount, a number of offers, and the difference between each offer.

For example, with a starting amount of 100 HBAR, 3 offers, and a 10 HBAR difference, the generated offers are 100, 110, and 120 HBAR.

Each offer incurs its own configured offer fee. Review the combined principal, fees, and total wallet approval.

After creation, each offer remains independent and can be accepted or cancelled separately.

13. Claim a repaid loan​

When a borrower repays, your principal plus lender interest becomes claimable.

  1. Open Portfolio and select Lending.
  2. Find the repaid loan.
  3. Select Claim.
  4. Review the principal, interest, and total receivable.
  5. Approve the wallet transaction.

You can also claim multiple eligible repayments. Collection filtering determines the set included in a bulk claim.

Claimable HBAR does not earn additional interest while it remains unclaimed.

14. Claim a defaulted NFT​

After default, the NFT can be claimed from Portfolio.

  1. Confirm your wallet is associated with the NFT's token.
  2. Select Claim NFT.
  3. Review the fixed claim fee based on principal.
  4. Approve the fee and NFT claim flow.

Bulk claims combine the fees for all included defaulted loans. The wallet must be able to receive every token included.

Claim-fee brackets​

Original principalClaim fee
Up to 500 HBAR5 HBAR
501-1,000 HBAR10 HBAR
1,001-1,500 HBAR15 HBAR
1,501 HBAR or more20 HBAR

After the claim, the NFT belongs to the lender. Any decision to hold or sell it is the lender's responsibility.

15. Read collection market prices​

The Collections table can display marketplace data such as:

  • Floor Price: The lowest available marketplace listing reported for the collection.
  • Instant Sell: The highest available collection-wide offer reported by the marketplace.
  • Available Pool: The HBAR principal committed through open CollaFi offers.
  • Best Offer: The highest open CollaFi loan offer.

Marketplace prices come from external APIs and may be cached. They can be unavailable, delayed, or different from a price available for a specific NFT or trait.

Use market data carefully​

  • Compare your offer with both floor and instant-sell values.
  • Check the underlying marketplace before relying on a displayed price.
  • Consider trading volume and order depth, not only the floor.
  • Leave a safety margin for volatility, claim fees, and selling costs.
  • Research the project, community, and recent activity.

No displayed value guarantees that an NFT can be sold at that price.