Collateral · Dealer Inventory
Financing Coin and Bullion Dealer Inventory
For a dealer, inventory is not an investment — it is working capital that happens to be shaped like metal. Borrowing against it is how you buy the next lot without discounting the last one.
No credit check and no obligation. Business purpose only.
Hand-poured · Made in the USA
.999 Fine Silver
Every statue is cast from recycled precious metal refined to .999, delivered at its stated weight, and verified by X-ray testing before it ships.
2004
Since
87k+
eBay sales
1 of 1
Customs
65%
Advance against the market value of your metal
$15k
Minimum loan — about $23,000 in collateral
Days
From verified collateral to funded, not weeks
2004
Buying and holding metal since — this is not a new desk
Estimate
What it supports
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.
How this collateral is handled
Dealers already understand loan-to-value, spot, and spread, so these conversations are short. The usual pattern is a standing facility against a core position, drawn when a buying opportunity appears and repaid as stock turns.
Worth knowing before you ship
- Dealers understand LTV already — no education needed, just terms.
- Borrow against the slow-moving core, not the fast-turning display stock.
- Repay from the turn with no prepayment penalty.
- Common alternative to discounting inventory to raise cash for a buy.
Use cases
What people borrow it for
Buying Inventory
Buy the stock while the window is open and clear the balance when it sells. No prepayment penalty either way.
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Working Capital
Bridge the stretch between payroll on Friday and receivables in sixty days, without giving a processor a slice of every deposit.
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Equipment & Vehicles
Own the machine outright with no lien on it, which is what makes auctions and private sales possible at all.
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Payroll & Obligations
Meet a fixed obligation without crystallizing a gain and buying the position back later at whatever the market has done.
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Bridge Financing
The permanent financing is three weeks out and the deal is this week. Interest accrues only for the days used.
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Expansion & New Locations
A second location is a forecast, and forecasts underwrite badly. The collateral here is present-tense, so no plan is needed.
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Opportunity Capital
Distressed lots and retiring competitors reward whoever can move. We underwrite the metal, not whether we like the deal.
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Seasonal Cash Flow
Fund the trough without spending the reserve, then repay out of the season. Collateral can stay vaulted between draws.
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Valuation
How this is valued for lending
Dealer inventory is valued as trading stock rather than as a static holding, and that changes the structure more than the arithmetic. The stock turns, so the arrangement has to accommodate items leaving and arriving instead of assuming a sealed position. Valuation therefore leans on recognizable, liquid material — the widely traded coins and bars a dealer moves constantly — rather than on the slow-moving or specialist end of the case.
The exposure
What moves against you
The specific exposure here is the one every dealer already knows: capital tied up in stock that has not sold yet, at prices that keep moving. Borrowing against inventory does not remove that exposure, it finances it, which is powerful when turnover is genuinely strong and dangerous when it is not. If inventory is slow because demand has softened rather than because cash is tight, adding leverage makes the underlying problem larger. That is worth being honest with yourself about before it is worth discussing terms.
FAQ
Common questions
- Can I keep trading while it is pledged?
- Pledged metal is vaulted for the term. Pledge the core position you were not going to sell, not the display case.
- Is there a facility rather than a one-off?
- Talk to us. Repeat borrowers usually keep collateral vaulted between draws.
- Do you buy inventory too?
- Yes, though that is a separate conversation. The point of the loan is that you do not have to sell.
Other collateral we accept
Gold Bars
Kilo, 10 oz and 1 oz bars from recognized refiners. Your specific bars are segregated and returned, not equivalent metal.
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Gold Coins
Sovereign issues are valued on gold content at spot. Collector premium is not lent against, which is worth knowing first.
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Numismatic & Graded Coins
Graded coins are assessed on certification first and metal second. Nothing is cracked out, cleaned or reholdered.
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Find the gift nobody expects.
No credit check and no obligation. Business purpose only.