FAQ
What people ask before they pledge
Including the ones lenders usually leave off the page.
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
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Customs
FAQ
Questions and answers
- How much can I borrow?
- Up to 65% of the market value of the bullion you pledge, with a $15,000 minimum — roughly $23,000 in collateral at that rate.
- Is there really no credit check?
- None. We underwrite the metal, not you. That said, no credit check is not a guarantee of approval — collateral is still inspected and verified.
- What is the interest rate?
- Single digit, paid interest-only monthly. The exact rate is confirmed with your terms after verification. We will not quote you a number before we have seen the metal.
- Are there fees?
- No origination fees and no prepayment penalties. Pay it down or pay it off whenever it suits you and you owe only the interest accrued.
- How long does funding take?
- Days once collateral is verified, not weeks. The variable is how quickly the metal reaches us.
- How do I get the metal to you?
- Insured mail from anywhere in the country, or in person at our Fort Lauderdale or Hollywood locations.
- Where is my collateral stored?
- A fully insured United States vault, for the whole term. Never shipped overseas, never lent out, never pooled.
- Do I get the same metal back?
- Yes. Your specific bars and coins, not equivalent weight.
- What is a margin call?
- If metal prices fall materially, your loan-to-value rises. We would contact you about adding collateral or paying down a portion to bring it back into range. Because the loan starts well below full value, ordinary swings do not trigger this.
- Can I borrow for personal reasons?
- No. These are business-purpose loans only — not for personal, family or household use.
- Which states are excluded?
- Nevada, Vermont, North Dakota and South Dakota.
- Will you lend against collector coins at their numismatic value?
- No. We lend against metal content only. If a coin is worth well above melt, borrowing against it wastes that premium.
- What if I want to repay early?
- Do. There is no prepayment penalty and no minimum interest period.
- What if I default?
- The contract sets out a defined process against the pledged collateral. It is written down before you sign, not discovered afterwards.
Run your own numbers
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 our65% 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.
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Find the gift nobody expects.
No credit check and no obligation. Business purpose only.