Collateral · Numismatic & Graded Coins
Borrowing Against a Coin Collection Without Selling It
A graded coin collection is usually the least liquid thing on a dealer’s balance sheet and one of the most valuable. Borrowing against it releases capital without breaking up a collection that took years to assemble and could not be reassembled at the same prices.
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
Numismatic collateral is assessed on certification first and metal second, which is the reverse of every other category on this list. A slabbed coin from a recognized grading service carries a certification number, a stated grade and a population record — three things a lender can verify independently. A raw coin carries an opinion. That is not a judgement about the coin; it is a statement about what can be relied on in a forced sale, which is the only scenario a lender has to price for.
Worth knowing before you ship
- Third-party graded and slabbed coins are straightforward to assess. Raw coins take longer and are valued more conservatively.
- Certification numbers are verified against the grading service before terms are set.
- The collection is inventoried piece by piece at intake, not weighed in bulk.
- Coins are stored in their holders. Nothing is cracked out, cleaned or reholdered.
- Where a coin is worth materially more intact than melted, we say so — that is the whole basis of the arrangement.
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
Two numbers exist for every collectible coin and they are rarely close: the retail price guide, and what the coin would actually realize at auction in thirty days. Lending value follows the second one. That gap widens with rarity — a common date in a common grade has a deep, fast market, while a genuinely rare piece may be worth a great deal and still take months to place with the right buyer. Grade drives everything, which is why certification matters more here than in any other category. An uncertified collection can still be used, but expect a more conservative assessment and a longer intake.
The exposure
What moves against you
Numismatic collateral carries a risk bullion does not: the premium above metal can compress while the metal price is flat or rising. Collector demand moves with generational taste, auction results and the health of the hobby, none of which follows spot. The floor is real — a gold coin cannot fall below its gold — but the distance between that floor and the collection’s appraised value is the part at risk. Condition is the other exposure, and it is one you control: a coin removed from its holder, cleaned or handled loses value permanently and instantly, with no market event involved.
FAQ
Common questions
- Do the coins have to be graded already?
- No, but it changes the process. Slabbed coins from a recognized service can be verified against the population record and assessed quickly. Raw coins are assessed on inspection and valued more conservatively, because a lender cannot rely on an ungraded opinion in a forced sale. If a substantial collection is raw, grading it first will usually improve the terms by more than the grading costs.
- Will you break up the collection?
- Not while the loan is performing. The collection is inventoried and stored as it arrives, in its holders, and returned the same way. Keeping a collection intact is generally the reason people borrow against one rather than selling it, and an arrangement that dismantled it would defeat the purpose.
- Is this a commercial loan or a personal one?
- Commercial. These are business-purpose loans, not consumer credit, and they are not offered for personal, family or household use. Dealers borrowing against inventory, and businesses borrowing against a collection held by the company, are the normal cases.
- What if part of the collection is bullion rather than numismatic?
- That is the common situation and it is handled in one facility. The bullion portion is valued on weight and fineness against spot, the numismatic portion on grade, and the two are aggregated. Mixing them does not complicate the arrangement — it usually improves it, because the bullion adds a liquid, easily priced base under a less liquid holding.
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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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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Find the gift nobody expects.
No credit check and no obligation. Business purpose only.