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 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
Selling to raise cash is doubly costly here: you crystallize 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 crystallized, 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
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
This is the use with the least flexibility, because the date is set by someone else and missing it has consequences beyond money. Payroll, tax obligations and rent do not negotiate. The clock is therefore short and the question is narrow: does a known inflow arrive shortly after the obligation falls due? If yes, this is a bridge. If no, borrowing to meet payroll is postponing a decision rather than solving a problem, and we would rather say that plainly.
Said plainly
Cheaper things to try first
Where a shortfall is genuinely temporary, talk to the parties first — landlords and suppliers will sometimes move a date, and tax authorities have formal arrangements for payment plans that are far cheaper than borrowing. Those conversations are uncomfortable and they are still the right first step. If the gap is structural rather than timing, the honest advice is to get proper professional help with the business, not more debt.
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 crystallizes 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.
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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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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Get started
Find out what your metal supports.
No credit check and no obligation. Business purpose only.