Collateral · Platinum
Borrowing Against Platinum Without Selling It
Platinum sits between gold and palladium in almost every respect that matters to a lender: steadier than palladium, less liquid than gold, and priced on a market that follows neither. It makes sound collateral for a business that wants capital without giving up the metal.
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
Platinum demand is spread across more industries than palladium — autocatalysts, but also chemical and petroleum refining, glass manufacture, electronics and jewelry — and that spread is why it has historically been the steadier of the two. Supply is unusually concentrated by geography, so platinum can also move on mining and labor conditions in a way that has nothing to do with demand at all. For a borrower the practical consequence is simple: platinum does not track gold, so a platinum position is not a proxy for a gold position and should not be sized as though it were.
What that means for a facility
- Recognized refiner bars are the cleanest form. Unfamiliar refiners are assessed more conservatively.
- Platinum coins are accepted, valued on metal content unless collectible premium applies.
- Terms sit between gold and palladium, reflecting market depth rather than any view on the metal.
- A holding containing both platinum and palladium spreads the risk — the two rarely fall together.
- Business-purpose lending only. Not offered for personal, family or household use.
Said plainly
When borrowing is the wrong call
Platinum is the metal people most often hold for reasons they can articulate — a view on the gold-platinum ratio, or on industrial recovery. If you hold that view, borrowing keeps the position while freeing the cash. If you do not, and the platinum is simply there, selling it is simpler than financing it.
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 use platinum bullion for a commercial loan?
- Yes, and it is a common component of dealer inventory facilities. Recognized refiner bars in standard weights are assessed most easily. Give us the refiner, the form and the total weight and we can talk terms quickly.
- Is platinum better collateral than palladium?
- Generally steadier, yes, and its terms usually reflect that. Platinum demand is spread across several industries while palladium is heavily concentrated in automotive catalysts, so platinum is less exposed to a single sector turning. That said, platinum supply is geographically concentrated, which introduces a risk gold does not carry.
- Can I combine platinum with other metals in one facility?
- Yes, and it is usually the better arrangement. Each metal is valued on its own market and the total is aggregated. Because platinum, palladium, gold and silver do not move together, a mixed holding is generally steadier than any single metal, and that steadiness works in your favor when the ratio is assessed.
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 →
Palladium
Priced on a thin market that turns on catalytic converters, so a facility against it needs more headroom.
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.