Binance has launched Institutional Loans, a new loan service for approved companies. It lets them borrow up to 4 times the value of their collateral by using assets from several accounts at once, and there is no need to move all their funds into one place.
Binance says this service helps big traders and companies get money quickly when they need it. It’s useful for high-frequency and institutional traders who want to use their capital more efficiently.
Unlike normal margin loans that are linked to just one account, Institutional Loans allow users to combine assets from up to 10 different accounts, including Spot, Cross Margin, and Portfolio Margin accounts.
Easy and Quick Loans for Companies
When a company borrows from Binance, the money goes straight into a special Portfolio Margin, Portfolio Margin Pro, or Cross Margin account. This lets the company use the funds right away for trading on Binance’s Margin and Futures markets.
Companies can borrow amounts between 1 million and 10 million USDC or USDT, using the value of their assets across different accounts as security.
Binance allows over 400 types of collateral. Big tokens like BTC, ETH, USDT, USDC, SOL, and BNB give companies more borrowing power because they aren’t reduced by haircut ratios.
There’s also a reward system that can lower interest rates, even down to 0% interest, if the company meets certain trading goals.
To use this loan service, a company must pass Binance’s corporate verification process and either meet VIP 5 trading levels or get approved through a special review by Binance.
On May 22, when Bitcoin surged to a record high of $112,000, the average amount of each individual Bitcoin deposit to Binance was 7 BTC, the highest among major exchanges that day. By comparison, Bitfinex averaged 5 BTC, OKX 1.23 BTC, Kraken 0.7 BTC, and Coinbase 0.8 BTC, highlighting Binance’s dominance among whales and high-volume traders
Binance’s new loan service and the record Bitcoin deposits show that Binance is becoming the top choice for big traders and companies. The Institutional Loans make it easy for firms to borrow large amounts without moving their funds around, helping them trade faster and smarter. With high Bitcoin deposits and powerful loan options, Binance is proving itself as a favorite place for whales and high-volume traders who want quick access to funds and strong trading tools.
