> For the complete documentation index, see [llms.txt](https://debit.teller.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://debit.teller.org/the-platform-and-business-model/no-collateral-pre-qualification-for-portfolio-holders.md). # No-collateral pre-qualification for portfolio holders For people who hold a crypto or stock portfolio and do not want to sell it, Debit offers a path to explore borrowing without collateral. A holder completes a short pre-qualification flow and connects a wallet, and the platform surfaces pre-selected offers across personal loans, credit cards, business loans, HELOCs, and auto refinancing. The check requires no hard credit pull and no collateral deposit; funds from a personal loan land in the holder's bank account. The value proposition is simple: a holder can explore borrowing options without selling their assets, and a single conversational flow covers several loan types at once instead of a separate application for each. What makes this unique to onchain finance is the entry point. The same interface used to borrow onchain also lets a user connect a wallet and pre-qualify for real-world credit, so onchain holdings and traditional loan options sit side by side in one conversation. The pre-qualification can be started directly through the Debit AI agent, which runs it across every supported loan type: personal, credit cards, business, HELOC, and auto refinancing. No-collateral loans are originated by third-party licensed lenders, pre-qualification is not a guarantee of credit, and final terms are set by the lender. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://debit.teller.org/the-platform-and-business-model/no-collateral-pre-qualification-for-portfolio-holders.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.