Collateral · Numismatic & Graded Coins
Borrowing Against a Coin Collection Without Breaking It Up
A collection assembled over decades cannot be reassembled at the same prices, which is exactly why selling it to raise capital is usually the worst available option. Borrowing against it keeps the collection together and in its holders.
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
Numismatic collateral is assessed on certification first and metal second — the reverse of every other category here. A slabbed coin from a recognized grading service carries a certification number, a stated grade and a population record, all of which a lender can verify independently. A raw coin carries an opinion. That is not a comment on the coin; it is a statement about what can be relied on in a forced sale, which is the only scenario collateral has to be priced for. The practical consequence is that a graded collection moves faster and on better terms than an equivalent raw one.
What that means for a facility
- Third-party graded and slabbed coins are assessed against the grading service population record.
- Raw collections are accepted, valued more conservatively, and take longer at intake.
- The collection is inventoried piece by piece, never weighed in bulk.
- Coins stay in their holders. Nothing is cracked out, cleaned or reholdered.
- Business-purpose lending only. Not offered for personal, family or household use.
Said plainly
When borrowing is the wrong call
If the collection is genuinely surplus and you have no intention of rebuilding it, sell it — a sale ends the matter with no ratio to watch. Borrowing makes sense when the collection is the point: when you would buy it back, and when buying it back would cost more than it raised.
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 the coins need to be graded first?
- Not required, but it changes the terms. Slabbed coins can be verified against a population record and assessed quickly. Raw coins are assessed on inspection and valued conservatively, because an ungraded opinion cannot be relied on in a forced sale. For a substantial raw collection, grading first often improves the terms by more than the grading costs.
- Will the collection be broken up or sold off?
- Not while the loan is performing. It is inventoried and stored as it arrives, in its holders, and returned the same way. Keeping a collection intact is normally the entire reason for borrowing against one instead of selling it.
- How is a collectible coin valued differently to bullion?
- Bullion is weight against fineness against spot — arithmetic. A collectible coin has two numbers that are rarely close: the retail price guide, and what it would actually realize at auction within thirty days. Lending value follows the second. The gap widens with rarity, because a genuinely rare piece may be worth a great deal and still take months to place with the right buyer.
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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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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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.