Compare
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.
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.
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Side by side
| Category | Borrowing against metal | A Pawnshop Loan |
|---|---|---|
| Advance rate | Up to 65% of market value | Typically 25–40% |
| Interest | Single-digit, interest-only monthly | Commonly 25–50% annually |
| Minimum | $15,000 — a real constraint | None. Pawn wins clearly here |
| Speed | Days | Same hour. Pawn wins here |
| Purpose | Business and commercial only | Any purpose, including personal |
| Storage | Insured US vault, segregated | Varies widely |
| Contract | Written terms, stated payoff | Often opaque |
| If you default | Defined process against the collateral | Item is forfeited and sold |
The fair case
What a pawnshop loan genuinely does better
Pawn is genuinely fast, genuinely simple, and it does not care about your credit or your business. There is no application in any meaningful sense, no financial statements, and if you cannot repay, the consequence is limited to the item — there is typically no personal liability beyond it and no pursuit of a deficiency. For a small, short, one-off need that boundary is a real advantage and it is worth stating clearly.
The limit
Where the gap is
It is built for small consumer amounts over short periods, and the cost structure reflects that. Pawn is regulated at the state level with rates set for small short-term lending, which becomes expensive quickly if the term extends. Loan-to-value is typically conservative, so a given holding raises less. And storage and handling are geared to consumer items rather than to significant bullion positions. For business-scale amounts against a serious metal holding, the structure simply was not designed for the job.
Our view
The honest verdict
For a small, immediate, personal need a pawnshop is faster and has no minimum — genuinely the right tool for that job. For $15,000 or more of business capital against real bullion, the advance rate and the interest rate are not close.
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
This is the real decision, and for a short-term cash need the arithmetic usually favors borrowing. Not always.
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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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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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No credit check and no obligation. Business purpose only.