Collateral
Not Every Metal Behaves the Same Way
Gold, silver, platinum, palladium and graded coins are priced on separate markets driven by different things. That is why a facility is sized differently against each one.
No credit check and no obligation. If borrowing is the wrong answer for your situation, you will be told that first.
The whole argument, in one line
Selling is permanent and can be taxable.
A loan is neither.
65%
Advance against value
$15k
Minimum loan
Same
Bars returned
Live market
Business-purpose loans only. Not available in Nevada, Vermont, North Dakota and South Dakota.
What we lend against
Each is valued on its own market. A holding spanning several is usually steadier than any single position within it.
Gold Bullion
Weight against fineness against a market that trades continuously. There is very little here to argue about.
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Silver Bullion
Valued the same way as gold, but it moves further and there is a great deal more of it to move.
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Palladium
Priced on a thin market that turns on catalytic converters, so a facility against it needs more headroom.
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Platinum
Steadier than palladium, less liquid than gold, and priced on a market that follows neither of them.
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Numismatic & Graded Coins
A collection built over decades cannot be rebuilt at the same prices. Certification, not weight, decides what it is worth.
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Mixed Holdings
Gold bars, silver rounds, a few slabs, and something inherited nobody has identified. Every piece valued on its own market.
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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 our 65% 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.
Said plainly
This is business lending
These are business-purpose loans secured on metal you already own. They are not consumer credit, they are not offered for personal, family or household use, and this is not a pawn arrangement — you are not surrendering the item against a small advance and hoping to redeem it. The metal is held as security, inventoried at intake, and returned when the facility is repaid.
If what you actually want is to be rid of the metal, sell it. Selling is simpler, final, and gives you more of the value today. Borrowing is for the position you intend to keep.
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.