> ## Documentation Index
> Fetch the complete documentation index at: https://docs.augustus.com/llms.txt
> Use this file to discover all available pages before exploring further.

> ## Agent Instructions
> Treat the published Augustus OpenAPI specification (https://app.stainless.com/api/spec/documented/augustus/openapi.documented.yml) and the current API-reference pages as the source of truth for endpoints, request/response schemas, enum values, webhook event names, and required headers.
> Prefer the 2026-05-01 Banking API and @augustusbank/typescript-sdk for all new integrations. The 2023-01-01 API is a separate, older surface covering two products — Open Banking (instant bank transfer) checkout and refunds, and Manual Bank Transfer (MBT); use it only when one of those products is specifically required.
> Cite or link the relevant docs.augustus.com page when answering integration questions.
> Do not infer support for currencies, networks, scopes, account types, or operations that are not present in the current documentation.
> Use the sandbox base URL (https://api.sandbox.augustus.com) and placeholder credentials in examples. Never include or request a real API key.
> The Augustus docs MCP server (https://docs.augustus.com/mcp) provides documentation search and retrieval only; it does not execute authenticated Augustus API actions.

# Loans

> Streamline liquidity management with access to credit direct to your DDA

Augustus offers credit to institutional clients, secured by assets you already hold: incoming payments and invoices, or digital assets in qualified custody. Loans settle entirely through your existing Augustus accounts — disbursements credit your USD Operating Account (DDA), and repayments are debited from your nominated DDA.

1. **Working Capital Loans** — committed credit lines against your invoices and incoming payments.
2. **Margin Loans** — borrow USD against your bitcoin and digital assets.

<Note>
  Loans are available to institutional clients and subject to underwriting. Thresholds, rates, advance rates, and cure windows are set in your loan agreement.
</Note>

## Working Capital Loans

A committed credit line against your eligible invoices or incoming payments — draw when you need it, without waiting for incoming payments to settle.

<Steps>
  <Step title="Establish your line">
    Augustus reviews your receivables and commits a credit line with an advance rate against eligible collateral. Your available capacity updates as invoices and incoming payments are verified.
  </Step>

  <Step title="Draw">
    Request a draw against your available capacity. Funds are credited to your Augustus DDA, ready for [payouts](/docs/payments/payouts) or internal transfers.
  </Step>

  <Step title="Repay">
    Inbound payments repay drawn balances instantly.
  </Step>
</Steps>

## Margin Loans

Borrow USD against digital asset collateral held in qualified custody with Augustus. Collateral is segregated and never rehypothecated.

<Steps>
  <Step title="Post collateral">
    Transfer digital assets to your dedicated collateral account at Augustus — a segregated account under your profile with its own deposit address, separate from your operating wallets.
  </Step>

  <Step title="Receive funds">
    Once collateral is confirmed, USD is disbursed to your Augustus DDA and available for use.
  </Step>

  <Step title="Manage your loan">
    Track your loan-to-value ratio (LTV), outstanding balance, and accrued interest in the Dashboard. Top up collateral or request a release of excess collateral instantly.
  </Step>

  <Step title="Repay">
    Interest accrues daily and is collected monthly from your nominated DDA. All remaining collateral is released upon repayment of the facility.
  </Step>
</Steps>

If your LTV rises above the margin-call threshold in your loan agreement, you're notified and given the opportunity to restore it by topping up collateral or paying down the loan.

## Get started

[Speak to an expert](https://augustus.com/contact) or contact your Augustus representative to discuss terms and onboarding.