# Secured and unsecured credit lines for operating companies. Draw when you need it and repay as you collect. Secured lines can be backed by USDC. Limits and rates are set per company. [Open an account](https://web.limitedapp.com/signup) · [Talk to sales](https://www.limitedapp.com/en/contact) **Page title:** Business credit line **Summary:** Flexible credit lines for your business: secured and unsecured options, with funds available directly in your Limited account. **URL Source:** https://www.limitedapp.com/en/products/credit-line **Language:** English (en) · Also available in: [Español (es)](https://www.limitedapp.com/es/products/credit-line.md), [Português (pt)](https://www.limitedapp.com/pt/products/credit-line.md), [简体中文 (zh)](https://www.limitedapp.com/zh/products/credit-line.md), [繁體中文 (zh-HK)](https://www.limitedapp.com/zh-HK/products/credit-line.md) --- ## Choose the right credit for your business Whether you need flexibility or lower rates, we have a credit line that fits your needs. ### Unsecured Credit Line No collateral required. Get approved based on your business performance and creditworthiness. - No collateral required - Decision based on a review of your business - Draw funds anytime you need - Only pay interest on what you use - Flexible repayment terms ### Secured Credit Line Use your crypto or other assets as collateral to unlock higher limits and lower rates. - Higher credit limits up to $750K - Lower rates than an unsecured line - Use USDC, USDT, or BTC as collateral - Instant access to funds - No credit check required - Keep your assets working for you ## Get funded in 4 simple steps Our streamlined process takes you from application to funded without paperwork or branch visits. - **Apply online** — Complete our simple application in minutes. No paperwork, no branch visits. - **Get approved** — Our team reviews your application and shares the decision with you in the app. - **Set up collateral** — For secured lines, deposit your crypto collateral. For unsecured, skip this step. - **Access your funds** — Draw from your credit line anytime. Funds are available instantly. ## Credit designed for modern businesses Our credit lines are built with flexibility and transparency in mind. - **Instant access to capital** — Draw funds from your credit line anytime, 24/7. No waiting for bank approvals or wire transfers. - **Flexible repayment terms** — Choose monthly or custom repayment schedules that work for your cash flow. - **No hidden fees** — Every fee is shown in your quote before you confirm, with no prepayment penalties and no surprises. - **Easy repayment** — Set up automatic payments or pay manually. Pay down your balance anytime without penalty. ## Ready to unlock your credit line? Apply today and get access to the capital your business needs to grow. [Open an account](https://web.limitedapp.com/signup) · [Talk to sales](https://www.limitedapp.com/en/contact) ## Credit line: common questions **How does the Limited credit line work?** You lock supported crypto assets as collateral, and your credit limit is calculated from their value using a loan-to-value (LTV) ratio. The credit is then available to spend with your Limited cards in Credit mode. **Do I keep ownership of the collateral?** Yes. Locked assets remain yours. You can unlock collateral whenever it is no longer needed to support your credit line. **What does the credit line cost?** When you lock collateral you receive a quote showing the fees, the LTV and the credit you will get before you confirm. Interest on card balances in Credit mode follows the APR range of your card tier, listed on the pricing page. **Which assets can I use as collateral?** Only tokens shown as supported in the Lock Collateral flow can be locked; the list is displayed in the app when you request a quote. **How do I track utilisation and repayments?** The Credit Line tab shows your available amount, total limit, utilised limit and a breakdown of what makes up your credit, plus card spend for the current cycle and the current statement balance. --- > Limited is a financial technology company, not a bank. Limited, Inc. is a technology services provider and the administrator of the Limited Card Program, Limited Pay and Limited Chroma, among other programs and services. USD balances are held in accounts at FDIC-insured partner banks. FDIC insurance protects against the failure of the insured bank, not the failure of Limited, and depends on pass-through requirements being met. FDIC insurance does not cover stablecoin balances or local-currency accounts held outside the United States. Limited's services may incur transactional, cross-border and/or financing fees, as well as the costs of Limited's third-party service providers. Because Limited operates under many regulatory regimes, the way its solutions and services are provided differs by region. [See our partner institutions.](https://www.limitedapp.com/en/legal) Last updated: 2026-09-15 (rendered from the live site sources) · Canonical: https://www.limitedapp.com/en/products/credit-line · Markdown: https://www.limitedapp.com/en/products/credit-line.md · Index: https://www.limitedapp.com/llms.txt · Sales: sales@limitedapp.com · Support: support@limitedapp.com