Scenario · Selling to Be Rid of the Hassle
Selling Because Storing It Is a Nuisance
A safe at the office nobody is comfortable with. A home safe you think about whenever you travel. Insurance that either does not cover it or costs more than it should. Storage is a genuine, unglamorous reason people sell metal.
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
This one is worth separating out, because it is not really a financial decision at all — it is a logistics complaint that gets resolved with a permanent financial action. That is almost always a mistake, and it is an easy one to avoid.
The math
The arithmetic worth doing first
Pledged collateral is held in a fully insured US vault for the term of the loan. So a loan solves the storage problem and the cash problem at the same time, and you still own the metal. If you only have the storage problem and no cash need, you do not need a loan — you need a vault, and our sister company runs one.
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 need capital and are also tired of storing it.
- Home or office storage is genuinely making you uncomfortable.
- Insurance on the metal is expensive or inadequate where it sits.
- You still want to own the position.
Selling is the better answer when
- You have no cash need at all — then take out storage, not a loan.
- You have decided you no longer want to own metal.
- The holding is below the collateral minimum.
- You would resent the monthly interest for solving a storage problem.
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
- Where is the collateral held?
- In a fully insured US vault. Our sister company Florida Intervault operates a 9R-rated facility in Fort Lauderdale.
- Do I get the same metal back?
- Yes. The same bars and coins, not an equivalent quantity. That distinction matters and not every lender offers it.
- Can I just store it without borrowing?
- Yes, and if you have no cash need that is the honest answer. Storage is a separate arrangement and does not require a loan.
- Is the metal insured while you hold it?
- Yes, it is held in a fully insured vault for the term. Ask for the specifics before you ship anything.
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.