Detail
The Same Bars, Not Equivalent Ones
The end of the transaction is the part worth understanding before the beginning of it.
No credit check and no obligation. If borrowing is the wrong answer for your situation, you will be told that first.
Where it sits
Pledged collateral is held in a fully insured US vault for the term of the loan. Our sister company, Florida Intervault, operates a 9R-rated facility in Fort Lauderdale — the highest UL vault rating available.
It is not lent out, not leased, not rehypothecated, and not pooled into an unallocated account. It sits there, identified, until you repay.
The same items, and why that matters
On repayment you receive back the same bars and coins you pledged. Not an equivalent weight of similar metal — the same items, with the same serial numbers where they carry them.
This distinction is easy to skim past and it is one of the most important questions to ask any lender in this space. "Equivalent metal" and "your metal" are materially different promises, and only one of them is a bailment of your property.
Repaying early
No prepayment penalty. Repay whenever it suits you and the interest stops. Borrowers who take a loan for a defined purpose frequently repay well ahead of any schedule, and nothing about that is penalised.
Getting it home
Return shipping is insured and arranged with you. If you are near Fort Lauderdale you can collect in person, and some clients simply move the metal into storage at the same facility rather than take it home at all.
Run the numbers
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
- Do I get the exact same bars back?
- Yes. The same items you pledged, not an equivalent quantity.
- Is my metal insured while you hold it?
- It is held in a fully insured US vault for the term. Ask for the specifics before you ship anything.
- Is the metal lent out or leased?
- No. It is held as collateral and stays where it is until you repay.
- Can I inspect it during the term?
- Raise it on the call. Access arrangements are agreed in advance rather than improvised.
- Can I leave it in storage after repaying?
- Yes, and some clients do. Storage is a separate arrangement with the vault and does not require a loan.
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.