Use case · Seasonal Cash Flow
Fund the Slow Season Without Selling the Reserve
Every seasonal business knows exactly when the trough arrives and exactly how deep it is. Knowing does not make it cheaper to fund.
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
The reserve exists for precisely this. But spending the reserve means rebuilding it at next year's prices, and the reason it is in metal is that you did not want it in cash.
Why borrowing fits here
- The reserve stays a reserve. You borrow against it rather than spend it.
- Interest-only through the trough, when there is least to pay with.
- Repay from the season, with no prepayment penalty.
- Collateral stays vaulted between draws, so you are not shipping metal twice a year.
How borrowers usually structure it
Seasonal borrowers benefit most from keeping the loan-to-value low. A modest draw against a large position means price movement during the trough is very unlikely to matter.
Collateral
What you can pledge
Gold Bars
loan against gold bars
Explore →
Gold Coins
loan against gold coins
Explore →
Silver Bullion
loan against silver bullion
Explore →
Platinum & Palladium
loan against platinum palladium
Explore →
Mixed Portfolios
loan against mixed precious metals
Explore →
Dealer Inventory
coin dealer inventory financing
Explore →
FAQ
Common questions
- Can I do this every year?
- Yes, and the collateral can stay vaulted between terms.
- What if metal prices fall during my slow season?
- A low loan-to-value is the protection. If prices fall materially we would contact you about adding collateral or paying down.
- Is the metal returned between draws?
- It can be, or it can stay in the vault. Whichever suits you.
Get started
Find out what your metal supports.
No credit check and no obligation. Business purpose only.