Use case · Bridge Financing
Bridge a Closing With Metal as the Collateral
The permanent financing is coming. It is just not coming this week, and the deal is this week.
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 costs you
Enter what you hold. Prices are live.
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.
Why it comes up
The pressure this solves
Bridges are where deals die. The bank is three weeks out, the seller has another buyer, and the difference between closing and not closing is liquidity you technically have — in the wrong form.
Why borrowing fits here
- Days, not weeks. That is usually the entire problem being solved.
- No prepayment penalty, so the bridge costs only the days you actually use it.
- No lien on the asset being acquired, which keeps the permanent lender comfortable.
- The metal is already liquid to us; it does not need appraising or marketing.
How borrowers usually structure it
Bridge borrowers usually repay in weeks. Since interest accrues only while the balance is outstanding and there is no exit fee, a short bridge is genuinely cheap.
Collateral
What you can pledge
Gold Bars
Kilo, 10 oz and 1 oz bars from recognized refiners. Your specific bars are segregated and returned, not equivalent metal.
Explore →
Gold Coins
Sovereign issues are valued on gold content at spot. Collector premium is not lent against, which is worth knowing first.
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 →
Platinum & Palladium
Thinner markets that move harder than gold, so the advance may be set more conservatively at verification.
Explore →
Mixed Portfolios
One valuation, one term and one payment across several metals, with price risk spread wider than a single-metal pledge.
Explore →
Timing
The clock on this
A bridge is the use this instrument is actually designed for: a defined gap between now and a specific, dated, likely event. The whole arrangement stands or falls on that event being real. A sale under contract, a refinance in underwriting, a payment with a confirmed date — those are bridges. A sale you expect to agree, or a refinance you have not applied for, are not; they are hopes with a facility attached.
Said plainly
Cheaper things to try first
If the far side of the bridge is a property transaction, a dedicated bridge lender may offer better terms because they underwrite the exit rather than only the collateral. If it is an invoice, factoring may be cheaper. The advantage here is speed and the fact that approval turns on metal you already own rather than on the deal's merits — which is exactly why the borrower has to be honest with themselves about whether that deal will close.
FAQ
Common questions
- Will this complicate my permanent financing?
- It should not. We take no lien on the acquired asset — only on bullion you have pledged.
- What is the shortest sensible term?
- There is no minimum interest period, so a bridge of a few weeks costs a few weeks of interest.
- Can it be repaid by the incoming lender?
- Yes. Payoff figures are straightforward and we release collateral on cleared funds.
Other reasons people borrow
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 →
Get started
Find out what your metal supports.
No credit check and no obligation. Business purpose only.