Scenarios
Why You Were About to Sell
Every one of these is a real reason to sell metal, and in several of them selling is the right call. Find the one closest to your situation and both answers are laid out.
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.
65%
Advance against market value
$15k
Minimum loan — about $23,000 in metal
Days
From verified collateral to funded
Same
Metal returned on repayment. Not equivalent — the same bars
9 situations
Each page ends with two lists: when borrowing fits, and when selling is the better answer.
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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After a Bank Said No
A decline is usually a statement about documentation and trading history, not about whether you own the metal.
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Funding a Purchase
You have already decided you can afford it. The open question is which way of funding it costs least.
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Paying a Business Tax Bill
Selling an appreciated asset to settle a tax bill can create a fresh tax liability of its own.
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Selling Under Time Pressure
A secured loan funds in days, not hours. Where the deadline is tomorrow, this is the wrong instrument.
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Selling Part of a Position
Selling half to keep half feels like the moderate option. Almost nobody runs it against the alternative first.
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Selling to Be Rid of the Hassle
A safe you think about whenever you travel is a logistics complaint, usually solved with a permanent financial action.
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The pattern
What every one of these has in common
The decision to sell is almost never a reconsideration of why you bought the metal. It is a response to an unrelated pressure — a month, an invoice, a deadline. Selling answers both questions at once and permanently, in favor of the short-term one. Borrowing separates them. That is the entire idea, and it is not always the right one.
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.