Collateral · Mixed Portfolios
Pledging a Mixed Metals Portfolio
Most holdings are not one metal. A mixed pledge is valued as a whole, which usually produces a better advance than pledging the pieces separately.
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
Everything is valued at live spot on its own content, then aggregated into a single advance under one term and one interest-only payment. A mixed portfolio also diversifies the price risk on the collateral, which makes a margin call less likely than a single-metal pledge of the same value.
Worth knowing before you ship
- One loan, one term, one monthly payment regardless of how many metals.
- Mixed collateral reduces margin-call risk — the metals rarely all fall together.
- Weaker collateral classes are offset by stronger ones in the aggregate.
- Send an inventory list before shipping and we will estimate against it.
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
A mixed holding is valued piece by piece and then aggregated, rather than by applying one figure across the whole. That is slower at the start and better for the borrower afterwards, because each component is assessed on what it actually is. It also means the inventory list matters enormously: a portfolio described accurately at the outset moves quickly, and one described loosely generates a second round of questions that costs everyone a week.
The exposure
What moves against you
The advantage of a mixed holding is that different metals do not always move together, so a portfolio can be steadier than a single-metal position. The disadvantage is that the weakest component still has to be managed, and the more varied the holding the more work a partial release involves. There is also a practical trap: mixed portfolios often contain a few items the owner values well above the market. Those items should be identified early, because a valuation that surprises you late in the process is the most common reason a facility stalls.
FAQ
Common questions
- Is a mixed pledge better?
- Usually yes — both for the advance and for margin-call risk, because the metals do not all move together.
- Do I get separate loans per metal?
- No. One aggregate advance, one term, one payment.
- Can I add collateral later?
- Yes. Adding collateral is also the usual response to a margin call.
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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No credit check and no obligation. Business purpose only.