Literally asking for a friend: does anyone know a reputable place to get a loan against their BTC? I've never looked into it but my buddy is asking how to do it.

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Unchained.com

Corporation only now unfortunately

Lend.HodlHodl.com ?

Unchained is reputable. Which answers the question.

But the fees / interest rates are still too high and the duration (<2 years) is still too short to consider it a low-risk option.

The concept of Battery Finance is better. Have to be able to bundle bitcoin into traditional asset loans to really manage the liquidation risks at scale.

Unchained