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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.
No credit check and no obligation. Business purpose only.
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Since
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Side by side
| Category | Borrowing against metal | Selling Your Metal |
|---|---|---|
| Speed | Days once collateral is verified | Often same day. Selling wins here |
| Cost | Single-digit interest for the period used | Dealer spread, once — and it is final |
| Tax | Borrowing is not a taxable event | Typically crystallises a gain. Ask your accountant |
| Your position | Retained. Same metal returned | Gone. Re-entry is at whatever the market does next |
| If prices rise | You keep the upside | You watch it |
| If prices fall | Possible margin call | You were out. Selling wins here |
| Paperwork | Collateral verification | Minimal. Selling wins here |
| Best when | The need is temporary and you still want the exposure | You wanted out of the position anyway |
Our view
The honest verdict
If you were planning to sell regardless, sell — a loan just adds cost to a decision you had already made. Borrowing wins when the cash need is temporary and you still want the metal. And if you believe prices are heading down, selling is genuinely the better call.
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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No credit check and no obligation. Business purpose only.