Risk
What happens if metal prices fall
The honest version, including the part most lenders bury.
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Why the 65% ceiling exists
Advancing 65% of value builds in a 35% cushion. That cushion is not generosity — it protects both sides if the market moves while your loan is outstanding.
Ordinary day-to-day price movement does not come close to consuming it. That is the point of setting the ceiling where it is.
What we do if prices fall materially
We contact you. Not automatically liquidate, not send a notice and act — contact you.
The usual resolution is one of two things: add a little collateral, or pay down a portion of the balance. Either brings the loan-to-value back into range.
We work with borrowers on this. A margin call is a conversation about restoring a ratio, not a default.
How to make it very unlikely
Borrow less than the maximum. If you need $40,000 and your metal supports $90,000, take the $40,000. Your effective loan-to-value is then under 30% and it would take an extraordinary move to matter.
Pledge mixed metals. Gold, silver, platinum and palladium rarely fall together in the same proportion, so a mixed pledge is steadier than a single-metal one.
Keep the term short if the need is short. Less time outstanding is less exposure to the market.
Run the 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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