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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.
No credit check and no obligation. Business purpose only.
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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 | An SBA Loan |
|---|---|---|
| Rate | Single-digit | Also single-digit, often lower. SBA wins here |
| Term | Short, agreed case by case | Up to 10–25 years. SBA wins here |
| Time to funds | Days | Commonly 60–90 days |
| Documentation | Collateral verification | Extensive |
| Personal guarantee | No claim on your home | Usually required, often secured on personal assets |
| Use restrictions | Business purpose | Defined eligible uses |
| Best for | A need measured in days | A long-term capital project |
The fair case
What an sba loan genuinely does better
For long-term needs an SBA loan is hard to beat. Terms run for years rather than months, rates are capped by program rules, and the amounts available are far larger than any short-term facility. For buying a building, acquiring a business or funding a genuine expansion, this is the correct instrument and no metal-backed facility is a substitute for it.
The limit
Where the gap is
It is slow and it is paperwork-heavy — commonly months from application to funding, with extensive documentation, and eligibility rules that exclude a range of business types outright. Personal guarantees and often a lien on business or personal assets are standard. None of that is unreasonable for a long-term loan; it simply makes the program a poor match for a defined gap measured in weeks. Different tools for different timescales.
Our view
The honest verdict
For buying a building or funding a decade of growth, an SBA loan is the better instrument and it is not close. For an opportunity that closes in two weeks, an SBA loan does not exist as an option.
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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No credit check and no obligation. Business purpose only.