Collateral · Palladium
Borrowing Against Palladium Without Selling It
Palladium is the most volatile collateral on this list and the one most likely to be sitting in a dealer case or a trade account rather than a vault. Borrowing against it releases working capital without closing a position in a metal that can move a long way in a quarter.
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
Palladium is priced on a market that is small even by precious metals standards, and its demand is concentrated in one place: automotive catalytic converters. That single dependency is what makes it behave unlike gold. It responds to vehicle production forecasts, to emissions regulation, and to substitution — when palladium runs far ahead of platinum, manufacturers engineer toward platinum, and the demand that drove the price starts to unwind. None of that makes it poor collateral. It makes it collateral that needs sizing with more headroom than gold would require.
What that means for a facility
- Recognized refiner bars and ingots in standard weights are the most straightforward form to assess.
- Sponge and industrial forms are handled case by case and take longer.
- Facilities are sized more conservatively than gold — a more volatile collateral has less room before a ratio moves.
- Where a holding mixes palladium with gold or silver, the mix usually improves the terms rather than complicating them.
- Business-purpose lending only. Not offered for personal, family or household use.
Said plainly
When borrowing is the wrong call
If you are holding palladium because you expect it to run, borrowing against it keeps that position open while releasing cash. If you are holding it because you have not got round to selling it, selling is probably the cleaner decision and we would rather say so than write a facility you did not need.
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
- Can I apply for a palladium loan on bullion alone?
- Yes. Recognized refiner bars in standard weights are the most straightforward version. Tell us the refiner, the form and the total weight and we can be specific quickly. Coins are also accepted, valued on metal content unless there is genuine collectible premium, in which case we will tell you before terms are set.
- Why are palladium terms tighter than gold terms?
- Market depth. Gold trades in enormous volume with tight spreads, so a position can be exited quickly at a predictable price. The palladium market is far smaller and its spreads are wider, so a lender needs more headroom. That is the honest reason, and it is about liquidity rather than any doubt about the metal.
- What happens if palladium falls sharply while the loan is open?
- The loan-to-value ratio moves against you and, past an agreed point, that triggers a call. You would then either add collateral or pay down to bring the ratio back into range. Because palladium moves further than gold, the practical protection is to borrow less against it than you could — the headroom is what stops an ordinary swing becoming a call.
Other collateral we accept
Gold Bullion
Weight against fineness against a market that trades continuously. There is very little here to argue about.
Explore →
Silver Bullion
Valued the same way as gold, but it moves further and there is a great deal more of it to move.
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.