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.
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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
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
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
Seasonal borrowing has the most predictable clock of any use here, because you have the previous years to look at. The facility should be sized against what the quiet period actually cost last time, not against what you fear it might cost, and it should be repaid out of the season rather than rolled into the next quiet stretch. A seasonal facility that survives into a second year has stopped being seasonal.
Said plainly
Cheaper things to try first
A revolving bank line is the natural instrument for a recurring seasonal gap and it is cheaper — if you can qualify, that is the better answer and worth applying for during your strong months rather than your weak ones. Building a reserve out of two or three good seasons removes the need entirely and is what most established operators eventually do. This is a reasonable bridge while you get to that position, not a permanent part of the calendar.
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.
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.