Collateral · Gold Coins
Borrowing Against Sovereign Gold Coins
Eagles, Maples, Krugerrands, Britannias and Philharmonics are all accepted. They are valued as bullion, on metal content.
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
Advance is calculated on gold content at live spot. Numismatic or collector premium is not lent against — a graded rarity is valued at its melt, not its auction estimate. That is a limitation worth knowing before you ship.
Worth knowing before you ship
- American Gold Eagles are 22k but contain a full troy ounce of gold. Valued on content.
- Fractional coins are accepted; they simply take more pieces to reach the minimum.
- Numismatic premium is NOT lent against. Rarity value stays with you but does not raise the advance.
- Tubes and monster boxes verify faster than loose mixed coins.
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.
Explore →
Working Capital
Bridge the stretch between payroll on Friday and receivables in sixty days, without giving a processor a slice of every deposit.
Explore →
Equipment & Vehicles
Own the machine outright with no lien on it, which is what makes auctions and private sales possible at all.
Explore →
Payroll & Obligations
Meet a fixed obligation without crystallizing a gain and buying the position back later at whatever the market has done.
Explore →
Bridge Financing
The permanent financing is three weeks out and the deal is this week. Interest accrues only for the days used.
Explore →
Expansion & New Locations
A second location is a forecast, and forecasts underwrite badly. The collateral here is present-tense, so no plan is needed.
Explore →
Opportunity Capital
Distressed lots and retiring competitors reward whoever can move. We underwrite the metal, not whether we like the deal.
Explore →
Seasonal Cash Flow
Fund the trough without spending the reserve, then repay out of the season. Collateral can stay vaulted between draws.
Explore →
Valuation
How this is valued for lending
Coins are valued on metal content first, and this is the point where borrowers and lenders most often start from different places. A collectible coin can carry substantial value above its metal for the right buyer, but that premium depends on grade, market appetite and time — none of which a lender can rely on in a forced sale. Lending against widely traded bullion coins is straightforward for the same reason bars are; lending against numismatic value is a different proposition and should be discussed as one.
The exposure
What moves against you
Two exposures rather than one. Metal price moves as it does for any holding. Separately, collector premium can compress even when metal is flat, so a coin can lose value in a way a bar cannot. The compensating advantage is divisibility — a coin holding can be partially released to restore a ratio, which gives you options a single large bar does not. If any part of your holding carries genuine collector value, say so at the outset rather than after terms are set.
FAQ
Common questions
- Will you lend against the collector value?
- No. We lend against metal content only. If a coin is worth far more than melt, borrowing against it wastes that premium — sell or consign it instead.
- Are fractional coins accepted?
- Yes. You just need more of them to clear the $15,000 minimum.
- Do Eagles count as a full ounce?
- Yes — a 1 oz American Gold Eagle contains one troy ounce of gold despite being 22k.
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.
Explore →
Numismatic & Graded Coins
Graded coins are assessed on certification first and metal second. Nothing is cracked out, cleaned or reholdered.
Explore →
Silver Bullion
Silver is the worst metal to liquidate in a hurry, which is exactly why borrowing against it beats selling it.
Explore →
Get started
Find the gift nobody expects.
No credit check and no obligation. Business purpose only.