Use case · Buying Inventory
Fund an Inventory Buy Without Selling Your Metal
The stock is available now and the cash is tied up in metal. Selling the metal to buy the stock means paying tax on the gain and giving up the position — to fund something you will turn over in ninety days.
No credit check and no obligation. Business purpose only.
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.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
Inventory windows close. A supplier with surplus, a closing sale, a competitor liquidating — those do not wait for a bank to underwrite you. Meanwhile the asset that could fund it is sitting in a vault doing nothing but appreciating.
Why borrowing fits here
- Funded in days once collateral is verified, which is usually faster than the buying window closes.
- No credit check — a thin file or a recent year of losses does not kill the deal.
- Interest-only monthly, so the payment does not compete with the inventory turn.
- No prepayment penalty: clear it the moment the stock sells.
How borrowers usually structure it
Most inventory borrowers take the shortest term they can and repay from the sale proceeds. Because there is no prepayment penalty, an early payoff costs you nothing but the interest actually accrued.
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
Inventory borrowing has a clock you can usually see, which is what makes it the cleanest use on this list. The stock is bought on a date, sells over a known period, and the facility should be sized to that period rather than to what you could raise. The discipline worth keeping is to work backwards from realistic sell-through rather than optimistic sell-through — the version where half the lot moves in the first month and the rest takes a season is the version that actually happens.
Said plainly
Cheaper things to try first
Supplier terms are the alternative to try first and they cost nothing. A supplier who will extend thirty or sixty days has effectively financed the purchase for free, and many will if asked directly. Trade credit, a deposit-and-balance structure, or simply buying a smaller lot are all cheaper than any borrowing. Come here when the opportunity is larger than your terms can absorb, or when the seller wants cash and the discount for paying it is real.
FAQ
Common questions
- How fast can this fund?
- Days once your collateral is inspected and verified — not weeks. We cannot promise a specific date before we have seen the metal.
- Can I repay as soon as the inventory sells?
- Yes. There is no prepayment penalty and no minimum interest period.
- Do you need to see my books?
- No. The metal is the underwriting.
Other reasons people borrow
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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Get started
Find out what your metal supports.
No credit check and no obligation. Business purpose only.