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Main TakeawaysBinance Institutional Loans is a cross-collateralized credit line that lets you borrow against multiple accounts.It unlocks up to 4x leverage without having to consolidate funds across accounts, giving you faster access to capital and more efficient trading.Benefit from interest rates as low as zero by meeting specific performance criteria, maximizing your capital efficiency.Available to volume VIP 5+ corporate users (KYB), or upon the request of companies seeking capital assistance to rapidly scale their volumes (to be assessed by Binance on a case-by-case request basis).Note: This is a general announcement. Certain products and services may not be available in your region.In fast-moving markets, institutional and high-volume traders need more than just strategy. They need immediate access to capital. However, when assets are spread across accounts, it becomes harder to act quickly. Fragmented collateral slows down execution, reduces efficiency, and can lead to missed opportunities — especially when timing is critical. That’s where Binance Institutional Loans come in.This cross-collateralized credit line enables you to borrow against the combined value of your multiple accounts. You can access up to 4x leverage without the friction of moving funds manually. More capital. More freedom. Right when you need it.What Is Binance Institutional Loans & How Does It Work?Unlike standard Margin and Futures products that rely on collateral from a single account, Binance Institutional Loans offer far greater flexibility. Borrowed funds are received in a dedicated sub-account set up with Portfolio Margin, Portfolio Margin Pro or Cross Margin, offering you access to advanced trading features and high capital efficiency. Collateral can be pooled from up to ten linked sub-accounts, which may include any combination of Spot, Cross Margin, and Portfolio Margin accounts. Together, they form a risk unit, with the loan secured against the total net equity.Based on the type and amount of collateral pledged, you can secure Institutional Loans ranging from 1 to 10 million USDC or USDT stablecoins. These funds can be utilized to trade across Margin and Futures markets with up to 4x leverage. Institutional Loans recognize a comprehensive list of over 400 collateral assets across the three account types. Here’s the breakdown:Account TypeSupported CollateralCollateral HaircutSpotBTC, ETH, USDT, USDC, SOL and BNBNonePortfolio MarginAll supported PM CollateralPM Collateral RatiosCross MarginAll supported CM CollateralCM Collateral RatiosKey Benefits of Binance Institutional LoansInstitutional Loans aren’t just about borrowing — they’re about unlocking new levels of flexibility, efficiency, and speed. By pulling together fragmented collateral and streamlining access to leverage, our product is built to match the pace and complexity of your trading strategies. Here’s why it stands out, and how it gives you an edge.Maximize Capital EfficiencyBorrow against the combined net equity of up to ten sub-accounts, including Spot, Cross Margin, and Portfolio Margin. With up to 4x leverage, you can put more capital to work — without shifting funds between accounts.Interest-Free OptionInstitutional Loans offer the opportunity to secure 0% interest financing through an interest rebate program upon meeting defined performance criteria, while otherwise adhering to Binance’s standard interest rate costing.Access a Wide Range of CollateralChoose from over 400 supported assets. Standard haircut policies apply to Portfolio and Cross Margin collateral, while major Spot assets — including BTC, ETH, USDT, USDC, SOL, and BNB — are exempt from haircuts, giving you greater borrowing power.Trade with Spot-Like SpeedPair Portfolio Margin Pro or Cross Margin with Margin Special API Key to unlock spot-like latency in margin trading. This low-latency setup reduces delays and enables faster execution, enabling you to stay ahead of the market — ideal for high-frequency and high-volume strategies.Capital FlexibilityChoose the structure that fits your strategy. Institutional Loans can be set up with either a Cross Margin, Portfolio Margin or Portfolio Margin Pro account, giving you flexible access to Binance’s full suite of Margin and Futures markets. The choice is yours.Use Case: Unlocking Capital When Timing Is CriticalImagine you’re tracking a short-term price dislocation between markets — a clear arbitrage opportunity, but your collateral is spread across multiple sub-accounts. In a standard setup, you’d need to manually move assets between accounts, wait for processing, and possibly miss the trade entirely.With Binance Institutional Loans, you can act instantly. Your Spot, Cross Margin, and Portfolio Margin balances are pooled into a single risk unit, allowing you to borrow against their combined net equity — no asset transfers required.The loan is credited to your Portfolio Margin or Portfolio Margin Pro or Cross Margin account, ready to deploy with low-latency execution. Within minutes, you’re in the trade, fully leveraged, and still maintain access to your original assets. For institutional traders, speed is opportunity. This is capital efficiency in action — turning fragmented balances into immediate firepower when it matters most.How to Apply for a Binance Institutional Loan on BinanceStep 1: Confirm Eligibility. To qualify, you must be a verified corporate (KYB) user and meet the VIP 5 trading volume criteria. If not, you can request a manual assessment from the Margin Team. Reach out to your VIP representative or email [email protected] to begin onboarding.Step 2: Review the Institutional Loan Terms. Carefully read and understand the Institutional Loan Terms. By using the Institutional Lending Service, you acknowledge that you have received, read, understood, and accepted all the terms and conditions.Step 3: Pledge Collateral. Select up to ten sub-accounts — including Spot, Cross Margin, and Portfolio Margin accounts — to serve as collateral. Your loan account can be set up as a Cross Margin, Portfolio Margin or Portfolio Margin Pro account.Step 4: Receive Your Credit Line. Binance will disburse the loan to the Institutional Loan account UID. Monitor the Risk Unit’s LTV ratio closely. A margin call occurs at 85% LTV, requiring additional collateral. If not addressed, liquidation occurs at 90% LTV.Step 5: Trade Loaned Assets. Use the loaned assets to trade across our Margin and Futures markets.Final ThoughtsAt the institutional level, capital efficiency is everything. The ability to act quickly, scale positions, and reduce operational drag can make all the difference — especially in fast-moving markets. Binance Institutional Loans were built to solve exactly that challenge.By allowing you to borrow against the combined net equity of multiple accounts, this credit facility removes traditional barriers around margin collateral. There’s no need to move assets between accounts or tie up funds in a single account. Instead, you get a seamless, centralized way to unlock more capital — backed by your existing balances across Spot, Cross Margin, and Portfolio Margin.It’s a smarter way to borrow. A faster way to trade. And a more efficient way to manage capital on Binance. Ready to trade with Institutional Loans? Get access today. Further ReadingWhat Is the Binance VIP Program?Binance Institutional Loan FAQThe Future of Wealth Management: Key Benefits of Adding Cryptocurrencies to Client PortfoliosDisclaimer and Risk Warning: Digital asset prices are subject to high market risk and price volatility. The information provided does not constitute, in any way, a solicitation or recommendation or inducement to buy or sell the products. The value of your investment may go down or up, and you may not get back the amount invested. Futures trading is subject to high market risk and all of your margin balance may be liquidated in the event of adverse price movement. The institutional loan contributes to providing greater leverage than a regular margin account or cross margin account, and greater leverage creates greater losses in the event of adverse market conditions. There is increased risk that a user's margin positions and/or futures positions will be liquidated involuntarily, causing possible loss. Comments and analysis do not constitute a commitment or guarantee on the part of Binance. You are solely responsible for your investment decisions and Binance is not liable for any losses you may incur. Past performance is not a reliable predictor of future performance. You should only invest in products you are familiar with and where you understand the risks. You should carefully consider your investment experience, financial situation, investment objectives and risk tolerance and consult an independent financial adviser prior to making any investment. This material should not be construed as financial advice. This product may not be available in certain countries and to certain users. This content is not intended for users/countries to which prohibitions/restrictions apply.  For more information, see our Terms of Use and Risk Warning.