Compare
This vs. a Bank Line of Credit
A line of credit is cheaper and more flexible. The question is whether you can get one, and whether you can get it in time.
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
Side by side
| Category | Borrowing against metal | A Business Line of Credit |
|---|---|---|
| Rate | Single-digit | Usually lower. The bank wins here |
| Revolving | No — a term loan against pledged metal | Yes. The bank wins here |
| Credit check | None | Yes, and it is decisive |
| Financials required | None | Two to three years, typically |
| Time to funds | Days | Weeks to months |
| Personal guarantee | Not against your other assets | Usually required |
| If you are declined | Not applicable — the metal is the underwriting | You are back where you started, weeks later |
Our view
The honest verdict
If you qualify for a bank line and have the weeks to arrange it, take the line — it is cheaper and revolving, and we would tell you so. This exists for the cases where the answer is no, or the timeline does not work.
Run your own numbers
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.
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Borrowing vs. Selling Your Metal
This is the real decision, and for a short-term cash need the arithmetic usually favours borrowing. Not always.
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This vs. a Pawnshop Loan
Same idea, very different arithmetic. This is the comparison our own numbers look best against, so here is where pawn genuinely wins too.
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This vs. a Merchant Cash Advance
An MCA is fast and needs no collateral. It is also the most expensive money most business owners ever take, largely because the cost is quoted as a factor rather than a rate.
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This vs. an SBA Loan
Different instruments for different jobs. An SBA loan is cheap, long, and slow. This is fast, short, and secured on metal.
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This vs. Doing Nothing
The alternative nobody sells you. Sometimes it is correct, and a lender who never says so is not worth listening to.
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Find the gift nobody expects.
No credit check and no obligation. Business purpose only.