Collateral · Mixed Holdings
Borrowing Against a Mixed Metals Holding
Most real holdings are not one metal in one form. They are gold bars and silver rounds and a few graded coins and something inherited that nobody has identified. A mixed holding is assessed piece by piece and then aggregated, which takes longer at the start and produces a better result.
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 a mixed holding is often the strongest collateral is that its components do not move together. Gold, silver, platinum and palladium are priced on separate markets driven by different things, and collectible premium follows something different again. A portfolio spanning several of them is steadier than any single position within it, and that steadiness translates directly into headroom before a ratio comes under pressure. The cost is time at intake: everything is identified and valued on its own terms rather than having one figure applied across the lot.
What that means for a facility
- Each component is valued on its own market, then aggregated — never one rate across the whole holding.
- An accurate inventory supplied up front moves the process along by days.
- Components that do not move together make a steadier position than any single metal.
- Items the owner values well above market should be flagged early — a late surprise is what stalls a facility.
- Business-purpose lending only. Not offered for personal, family or household use.
Said plainly
When borrowing is the wrong call
If the holding is genuinely miscellaneous and you have no attachment to any of it, selling the whole lot is simpler than financing it. Borrowing suits the holding you intend to keep — particularly where part of it is a collection you could not rebuild at today's prices.
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
- Do I need to sort or identify everything first?
- No, and we would rather you did not guess. Bring or send it as it is and it will be identified and valued at intake. Where an accurate inventory already exists, supplying it up front moves things along by days — but an inaccurate one is worse than none, because everything then has to be re-checked.
- What if part of the holding turns out to be worth less than I thought?
- You will be told before terms are set, not afterwards. The most common version of this is plated or low-purity material believed to be solid, and the second is collectible premium that the current market no longer supports. Neither stops a facility; both change the number, and you should know which before you commit.
- Is a mixed holding harder to borrow against?
- Slower to assess, generally better once assessed. The slowness is real — piece-by-piece valuation takes longer than weighing bars. The benefit is that a diversified position carries more headroom than a concentrated one, because the components rarely fall together.
Other collateral we accept
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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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.
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Liquidating Dealer Inventory
Selling stock into a soft bid because the calendar said so, not because the bid was ever fair.
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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.
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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.