Use case · Equipment & Vehicles
Buy Equipment Without an Equipment Lender
Equipment finance means a lien on the thing you just bought, a personal guarantee, and a rate set by your credit file. Borrowing against metal you already own means none of those.
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
Equipment lenders underwrite you, not the machine. A young company, a thin file, or one bad year and the rate moves against you — or the answer is simply no. The equipment still needs buying.
Why borrowing fits here
- No lien on the equipment. You own it outright from day one.
- No personal guarantee tied to the machine.
- Rate is not set by your credit file, because there is no credit check.
- Buy used, buy at auction, buy from a private seller — the lender has no opinion.
How borrowers usually structure it
This suits buyers at auction and private sale particularly well, where a conventional equipment lender will not fund at all and cash wins the lot.
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.
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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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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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Platinum & Palladium
Thinner markets that move harder than gold, so the advance may be set more conservatively at verification.
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Mixed Portfolios
One valuation, one term and one payment across several metals, with price risk spread wider than a single-metal pledge.
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Timing
The clock on this
Equipment is a long-lived asset and the honest framing is that it does not naturally match a short facility. A machine paid for over months but earning over years creates a repayment obligation that lands before the asset has produced much. Where this does work is as a bridge — securing equipment now at a price or availability that will not hold, with equipment finance or a term loan arranged to take it out shortly afterwards.
Said plainly
Cheaper things to try first
Equipment finance and leasing exist specifically for this and are usually the better instrument, because they match the term to the asset's life and are often secured on the equipment itself rather than on your metal. An SBA loan suits larger purchases. Use a metal-backed facility here only when timing genuinely rules those out, and go in with a plan for how it gets repaid rather than rolled.
FAQ
Common questions
- Do you take a lien on the equipment?
- No. Your bullion is the collateral. The equipment is yours, unencumbered.
- Can I buy at auction with this?
- Yes, and it is a common use — auction houses want cleared funds, not a finance approval.
- What if the equipment is used?
- It makes no difference to us. We are not lending against the equipment.
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.
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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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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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Get started
Find out what your metal supports.
No credit check and no obligation. Business purpose only.