Scenario · Funding a Purchase
Selling to Buy Something Else
Equipment, a bulk purchase at a discount, a van, a deposit on a contract. The opportunity is real and the timing is not negotiable, and the metal is the only asset that converts quickly enough.
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
The moment
How the decision usually gets made
The honest question here is not "can I afford this purchase" — you have decided you can. It is "what is the cheapest way to fund it", and selling an appreciated asset is very often not the cheapest way once the tax and the replacement cost are in the sum.
The math
The arithmetic worth doing first
Compare three numbers: what the metal sells for today, the capital gains liability that sale may create, and what rebuilding the position would cost later. Then compare that total against single-digit interest for the months until the purchase pays for itself. The purchase should generate a return; if it does, financing it is usually correct.
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.
Honestly
Which way to go
Both columns are real. If more of the right-hand list applies to you, sell — and we would rather you did.
Borrowing probably fits when
- The purchase generates a return that services the loan.
- The metal is an asset you intend to keep long-term.
- The sale would create a meaningful tax liability this year.
- Speed matters — days rather than a bank's weeks.
Selling is the better answer when
- The purchase is discretionary and the return is speculative.
- You want out of the metal anyway.
- The amount needed exceeds 65% of the holding.
- It is a personal purchase. That is outside what we can lend for.
Break it down
What selling actually costs
The Spread
Charged once when you sell and again if you buy back in. Changing your mind has its own price.
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The Tax Event
A sale can be a taxable disposal. A loan generally is not. The difference is structural, not clever.
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Losing the Position
The reasoning that made you buy metal does not usually change because an unrelated invoice landed this month.
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Replacement Cost
People price the buy-back at the price they sold for. It is almost never still that price.
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Selling on Someone Else's Schedule
When a supplier or a tax deadline picks the date, the price is whatever the market happened to be doing.
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What Borrowing Costs
The case against borrowing: a monthly obligation, a margin call mechanism, and an asset you could simply have sold.
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FAQ
Common questions
- How quickly can the money arrive?
- Days once the collateral is verified. Shipping the metal in is usually the longest step, and we will walk you through insured shipping.
- Can I borrow the full value of the metal?
- No. Up to 65%. The margin protects both sides against a price move during the term.
- Is the interest deductible?
- Interest on a business-purpose loan is often deductible. We are not your accountant — ask them, because it changes the real cost.
- What if the purchase falls through?
- Repay early. No prepayment penalty, and you stop paying interest.
Other scenarios
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.
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.