Collateral · Gold Bullion
Borrowing Against Gold Bullion Without Selling It
Gold is the simplest collateral there is and that simplicity is most of its advantage. Weight and fineness give a number against a market that trades continuously, so there is very little to argue about and the conversation moves quickly to terms.
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.
How this metal behaves
The reason gold attracts the least conservative treatment is liquidity, not sentiment. It trades in enormous volume with tight spreads, which means a lender can be confident of exiting a position quickly at a price close to the one quoted. That confidence is what buys a borrower headroom — the distance between the facility and the point where a ratio comes under pressure. Recognized refiner bars with serial numbers are the cleanest form, because a specific bar is identifiable rather than merely describable.
What that means for a facility
- Recognized refiner bars with serial numbers are the most straightforward form to assess.
- Widely traded bullion coins are equally clean; collectible premium is identified separately.
- Larger bars are less divisible — you cannot release part of a bar to restore a ratio.
- Gold generally carries the most headroom of any collateral here, because its market is the deepest.
- Business-purpose lending only. Not offered for personal, family or household use.
Said plainly
When borrowing is the wrong call
If you want out of gold, sell it. A sale ends the matter with nothing to monitor. Borrowing is for the case where you intend to keep the position and need capital for a defined period — and where buying the position back later would cost you the spread plus whatever the market did in between.
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.
FAQ
Common questions
- Does bar size affect the terms?
- Less than people expect on value, more than expected on flexibility. Smaller units are divisible, so a holding of ten one-ounce bars can be partially released to bring a ratio back into range. A single large bar cannot be divided, which makes it a less flexible position even when it is worth the same.
- What if the assay card or original packaging is missing?
- Not a problem for recognized refiner product. The bar is verified on inspection and the mark and serial are recorded at intake. Missing paperwork slows nothing down for well-known refiners; an unfamiliar mark takes longer and is treated more conservatively.
- How much headroom should I leave?
- More than the maximum available, which is advice against our own interest. The facility that never troubles you is the one sized so an ordinary market swing cannot move the ratio far enough to matter. Borrowing the absolute maximum against any collateral converts normal volatility into a margin call.
Other collateral we accept
Silver Bullion
Valued the same way as gold, but it moves further and there is a great deal more of it to move.
Explore →
Palladium
Priced on a thin market that turns on catalytic converters, so a facility against it needs more headroom.
Explore →
Platinum
Steadier than palladium, less liquid than gold, and priced on a market that follows neither of them.
Explore →
Numismatic & Graded Coins
A collection built over decades cannot be rebuilt at the same prices. Certification, not weight, decides what it is worth.
Explore →
Mixed Holdings
Gold bars, silver rounds, a few slabs, and something inherited nobody has identified. Every piece valued on its own market.
Explore →
Scenarios
Where this comes up
Covering a Slow Quarter
A permanent decision about the metal, made in about ten minutes because one quarter came in short.
Explore →
Liquidating Dealer Inventory
Selling stock into a soft bid because the calendar said so, not because the bid was ever fair.
Explore →
Selling at a Market Low
Borrowing to avoid a sale at a low is a financing decision if you can service it, and a bet if you cannot.
Explore →
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.