Use case · Working Capital
Working Capital Against Metal You Already Own
Revenue is fine; timing is not. Receivables land in sixty days and payroll lands on Friday. The gap is a cash-flow problem, not a solvency problem, and it does not deserve a permanent solution.
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
The instruments built for this gap are expensive. A merchant cash advance takes a slice of every deposit at an effective rate most owners never calculate. A line of credit takes weeks to arrange and needs the kind of financials you are too busy to assemble right now.
Why borrowing fits here
- Interest-only monthly keeps the payment small while the gap closes.
- Draw against an asset you already hold rather than against future card receipts.
- No fixed daily or weekly debit against your account.
- Clear it when the receivables land, with no penalty.
How borrowers usually structure it
Working-capital borrowers typically size the loan to the gap rather than the maximum available. Borrowing $40,000 against $100,000 of metal leaves a wide cushion and makes a margin call very unlikely.
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.
Explore →
Gold Coins
Sovereign issues are valued on gold content at spot. Collector premium is not lent against, which is worth knowing first.
Explore →
Numismatic & Graded Coins
Graded coins are assessed on certification first and metal second. Nothing is cracked out, cleaned or reholdered.
Explore →
Silver Bullion
Silver is the worst metal to liquidate in a hurry, which is exactly why borrowing against it beats selling it.
Explore →
Platinum & Palladium
Thinner markets that move harder than gold, so the advance may be set more conservatively at verification.
Explore →
Mixed Portfolios
One valuation, one term and one payment across several metals, with price risk spread wider than a single-metal pledge.
Explore →
Timing
The clock on this
Working capital is the hardest use to time because it has no natural end date. That is precisely why it needs one imposed. A facility taken to cover a gap that never closes becomes a permanent obligation secured on your metal, which is a materially different thing to a bridge. Before borrowing, be able to say what specific event returns the cash — a collection, a season, a contract completing — and roughly when.
Said plainly
Cheaper things to try first
Look at the receivables ledger first. A significant share of working-capital shortfalls are collection problems rather than funding problems, and chasing what is already owed is free. After that, a bank line is cheaper than anything secured on metal if you can get one and can wait for it. This is the right tool when the gap is real, defined and sooner than a bank can move — not when it is chronic.
FAQ
Common questions
- How is this different from a merchant cash advance?
- An MCA takes a percentage of daily receipts at an effective annual cost that is frequently in the triple digits. This is interest-only at a single-digit rate against collateral.
- Do I have to borrow the maximum?
- No, and most working-capital borrowers should not. A smaller loan against the same metal means a bigger cushion.
- Is there a fixed daily payment?
- No. Monthly, interest only.
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.
Explore →
Equipment & Vehicles
Own the machine outright with no lien on it, which is what makes auctions and private sales possible at all.
Explore →
Payroll & Obligations
Meet a fixed obligation without crystallizing a gain and buying the position back later at whatever the market has done.
Explore →
Get started
Find out what your metal supports.
No credit check and no obligation. Business purpose only.