Surge Credit

Est. 2023·₿ Bitcoin-only

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{"lending"}non-custodial-lending

Founded

Est. 2023

src: company records

Company Type

Private

src: 21Rates

Min Loan

$100

src: company data

Max LTV

90%

src: company data

Rate

6.9–9.9% APR

src: lender data

Overview Services Reviews Media

About Surge Credit

Surge Credit is a non-custodial Bitcoin credit line. Customers can borrow dollars against BTC while collateral stays in segregated Taproot vaults that can be verified on-chain, rather than commingled in an omnibus wallet. Surge offers competitive loan-to-value ratios, flexible repayment, and dollar liquidity without requiring customers to sell their Bitcoin.

Leadership

Michael Borglin

Co-Founder & CEO

in ↗

Punith B M

Co-Founder & CTO

in ↗

Yash Belavadi

Founder & CPO

in ↗

Fees & rates

Lending

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As of Oct 14, 2026 · Source

Rate6.9–9.9% APR

Loan Range$100 – $1,000,000

Term Range12 – 12 months

Surge Credit offers a non-custodial Bitcoin-backed dollar credit line. Borrowers can access $100 to $1 million against BTC held in segregated Taproot vaults on the Bitcoin network, with no rehypothecation, bridging, or wrapping. Yash shared indicative rates of 6.9% to 11% variable, based on borrow-lend demand, and 9.9% fixed, with flexible credit-line terms that can renew at the end of 12 months.