Scenario · Selling Part of a Position
Selling Half to Keep Half
It feels like the moderate, sensible option: sell enough to solve the problem, keep the rest. And it can be right. But run it against the alternative before you do it, because the numbers are closer than people expect.
No credit check and no obligation. If borrowing is the wrong answer for your situation, you will be told that first.
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
Selling half a holding to raise cash produces roughly the same amount as borrowing 65% against the whole holding — while permanently disposing of half your position and potentially realising a gain on it. Same cash, very different outcome.
The math
The arithmetic worth doing first
A $100,000 holding: selling half raises about $50,000 and leaves you owning $50,000 of metal. Borrowing 65% raises $65,000 and leaves you owning $100,000 of metal, less the debt. The loan costs interest; the sale costs the position and possibly tax. Neither is automatically right — but almost nobody does the comparison.
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 our65% 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
- You want to keep the whole position and the need is temporary.
- A partial sale would realise a meaningful capital gain.
- The full holding comfortably exceeds the collateral minimum.
- You can service interest on the larger amount.
Selling is the better answer when
- You were over-allocated to metal and wanted to reduce anyway.
- You do not want the ongoing obligation of a loan.
- Half your holding is below the collateral minimum.
- The cash need is permanent, not a timing gap.
Break it down
What selling actually costs
The Spread
gold buy sell spread cost
Explore →
The Tax Event
capital gains tax selling gold
Explore →
Losing the Position
sell gold lose position
Explore →
Replacement Cost
buy back gold after selling cost
Explore →
Selling on Someone Else's Schedule
forced to sell gold bad timing
Explore →
What Borrowing Costs
metals loan risks cost
Explore →
FAQ
Common questions
- Can I borrow against part of my holding and keep the rest at home?
- Yes. Only the pledged metal comes to the vault; the rest stays wherever you keep it.
- Does a bigger holding get better terms?
- Terms are discussed against your specific situation. Ask on the call.
- Can I release part of the collateral early?
- Partial paydowns and collateral releases are handled case by case. Raise it before you sign, not after.
- Which metal should I pledge if I hold several?
- Usually the most liquid and easiest to value. We will talk it through — it is a practical question, not a sales 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.