Collateral · Gold Bars
Borrowing Against Gold Bars
Investment-grade gold bars are the cleanest collateral there is: uniform, assayable, and priced continuously by a global market.
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
Kilo bars, 10 oz and 1 oz from recognized refiners are all straightforward. Bars with original assay cards verify fastest. Value is calculated on troy weight against live spot at the time of verification.
Worth knowing before you ship
- Recognized refiner hallmarks verify fastest — PAMP, Valcambi, Perth Mint, Credit Suisse, Royal Canadian Mint.
- Original assay packaging helps but is not required.
- A kilo bar at current spot comfortably clears the $15,000 minimum on its own.
- The same bars come back to you, not equivalent metal.
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
Bars are the simplest collateral to value and that simplicity is most of their advantage. Weight and stated fineness give a number against the market without an appraiser's opinion entering the process, and recognized refiner marks with serial numbers make a specific bar identifiable rather than merely describable. The practical consequence is speed: there is very little to argue about, so the conversation moves to terms rather than to what the collateral is.
The exposure
What moves against you
The exposure is price, and it is worth being plain about it. A loan against metal is a loan against something whose value moves daily and does not care about your business. If gold falls far enough, the loan-to-value ratio moves against you and that is what triggers a call. Larger bars are also less divisible — you cannot release a quarter of a bar to bring a position back into line, which is precisely why smaller units are sometimes the more flexible collateral even though they cost more per ounce to acquire.
FAQ
Common questions
- Do I get the same bars back?
- Yes. Your specific bars are segregated and returned on repayment — not equivalent metal.
- What if the assay card is missing?
- Not a problem. Verification takes slightly longer.
- Is one kilo bar enough?
- At current gold prices, comfortably — a kilo is about 32.15 troy ounces.
Other collateral we accept
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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Silver Bullion
Silver is the worst metal to liquidate in a hurry, which is exactly why borrowing against it beats selling it.
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Get started
Find the gift nobody expects.
No credit check and no obligation. Business purpose only.