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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
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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 |
The fair case
What doing nothing genuinely does better
Doing nothing is free, carries no risk of losing your metal, and is very often correct. If the gap can be covered by chasing invoices, deferring a discretionary purchase, or negotiating terms with a supplier, those cost nothing and add no obligation. Any lender who tells you inaction is never the answer is selling. Most cash pinches are solved without borrowing, and they should be.
The limit
Where the gap is
It stops being the right answer when inaction has a price attached. A discount lost, an opportunity taken by someone else, a payroll missed, a contract forfeited, a penalty incurred — those are real costs, and comparing them against the cost of a short facility is the only sensible way to decide. The mistake in both directions is failing to do that arithmetic: borrowing when waiting was free, or waiting when the delay cost more than the money would have.
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 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.
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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.