Use case · Payroll & Obligations
Meet an Obligation Without Liquidating the Balance Sheet
Some obligations do not move. Payroll, a quarterly tax bill, an insurance renewal. Selling metal to cover them is the most expensive way to solve a short-term problem.
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 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.
Why it comes up
The pressure this solves
Selling to raise cash is doubly costly here: you crystallise a gain and pay tax on it, then you buy the position back later at whatever the market has done in the meantime. A thirty-day cash problem becomes a permanent portfolio decision.
Why borrowing fits here
- The position stays intact. No gain crystallised, no re-entry risk.
- Interest-only monthly, sized to the obligation rather than the collateral.
- Funded in days, which is usually the constraint that matters.
- Repay from the next receipt cycle with no penalty.
How borrowers usually structure it
Borrow the obligation, not the maximum. If payroll is $28,000, borrow $30,000 — not the $65,000 your metal would support. The cushion is the point.
Collateral
What you can pledge
Gold Bars
loan against gold bars
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Gold Coins
loan against gold coins
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Silver Bullion
loan against silver bullion
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Platinum & Palladium
loan against platinum palladium
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Mixed Portfolios
loan against mixed precious metals
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Dealer Inventory
coin dealer inventory financing
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FAQ
Common questions
- Is this only for payroll?
- No. Any business obligation. It is not available for personal, family or household purposes.
- Will selling really cost me more?
- Usually. Selling crystallises a taxable gain and ends your position. Ask your accountant to compare the two on your actual numbers.
- What if I need it again next quarter?
- The collateral stays with us for the term, so a repeat draw does not mean shipping metal twice.
Get started
Find out what your metal supports.
No credit check and no obligation. Business purpose only.