Cost of selling · Losing the Position
You Bought It for a Reason
Whatever made you buy metal — a hedge, a store of value, a view on where things were heading — that reasoning does not usually change because a supplier invoice arrived.
No credit check and no obligation. If borrowing is the wrong answer for your situation, you will be told that first.
What it actually means
The decision to sell is almost never a reconsideration of the original thesis. It is a response to an unrelated short-term pressure. And because selling is permanent and nobody schedules a review afterwards, the position simply ends, quietly, for a reason that had nothing to do with why it existed.
The specifics
- The cash need and the investment thesis are unrelated questions.
- A sale answers both at once, permanently, in favour of the short-term one.
- If the metal appreciates afterwards, you paid for the cash twice.
- Borrowing separates the two decisions and keeps the exposure.
The counter
Where this argument is weak
If your view has genuinely changed and you no longer want to hold metal, sell it. Do not borrow against a position you have stopped believing in — that is the worst of both.
Put a number on it
Instant estimate
What could you borrow?
Enter the ounces you hold. We advance up to 65% of market value.
| Metal | Spot / oz | Your oz | Value |
|---|---|---|---|
| Gold | $4,600.00 | $0.00 | |
| Silver | $69.00 | $0.00 | |
| Platinum | $1,840.00 | $0.00 | |
| Palladium | $1,329.00 | $0.00 |
Estimate only. Final advance rate and terms are confirmed after your collateral is inspected and verified. Spot prices are indicative and move continuously. Minimum loan is $15,000 (about $23,077 in collateral value at our65% rate).
These are business-purpose loans and are not offered for personal, family or household use. Not available in Nevada, Vermont, North Dakota and South Dakota. If metal prices fall materially we may contact you about adding collateral or paying down the balance to keep the loan-to-value in range.
FAQ
Common questions
- What if I am not sure I still want the position?
- Then decide that question on its own merits, separately from the cash need. If the answer is no, sell.
- Does the loan expose me to price moves?
- You keep the exposure, which cuts both ways. If prices fall materially you may face a margin call.
- Do I get the same metal back?
- Yes — the same bars and coins, not an equivalent quantity.
- What if I default?
- The collateral covers the loan. That is the trade-off of a secured product and you should be clear-eyed about it before signing.
Next step
Run it both ways before you decide.
No credit check and no obligation. Tell us what you hold and what the money is for, and if selling is the better answer for your situation you will be told that first.
Business purpose only. Not available in Nevada, Vermont, North Dakota and South Dakota.