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 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 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
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
- 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.
Get started
Find out what your metal supports.
No credit check and no obligation. Business purpose only.