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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.
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 | Doing Nothing |
|---|---|---|
| Cost | Interest for the period used | Nothing |
| Risk | Margin call if prices fall materially | None. Doing nothing wins here |
| Your metal | Vaulted for the term | In your hands. Doing nothing wins here |
| The opportunity | Taken | Passed |
| If the opportunity was marginal | You paid to find out | You were right |
| If it was real | You captured it | It went to someone else |
Our view
The honest verdict
If the opportunity does not clearly return more than the interest, do nothing. That is not a failed sale — it is the right answer, and we would rather tell you than lend into a bad decision. Borrow when the arithmetic is obvious, not when it is arguable.
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
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This vs. a Pawnshop Loan
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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. 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.
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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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Find the gift nobody expects.
No credit check and no obligation. Business purpose only.