Who we fund · Contractors & Trades
Funding for Contractors and Trades
You front materials and labor, then wait on a draw schedule written by someone else. The gap between those two things is the whole problem.
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
65%
Advance against the market value of your metal
$15k
Minimum loan — about $23,000 in collateral
Days
From verified collateral to funded, not weeks
2004
Buying and holding metal since — this is not a new desk
Why this fits your situation
No lien on the job, no assignment of receivables, and no lender talking to your general contractor. The metal is the collateral and the job stays yours.
What it typically funds
- Materials for a job that pays on completion
- Payroll between draws
- Buying equipment at auction
- Mobilization on a new contract
In practice
The situation this usually solves
Construction runs on a payment cycle nobody chose. Material and labor go out now, the draw or the invoice settles later, and retainage sits unpaid until well after the work is finished. A contractor holding metal is holding a liquid asset while running a business that is chronically illiquid, and the mismatch is the whole reason this comes up.
Said plainly
When this is the wrong tool
Wrong if the receivable itself is in doubt. Borrowing to cover a payment that may never arrive converts a collection problem into a debt problem and puts your own metal behind it. It is also the wrong instrument for a long-term capital need — buying a vehicle or plant that will be used for years is a different financing question. This suits a defined gap with a defined end, not a structural shortfall.
Estimate what you could raise
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.
FAQ
Common questions
- Do you take an interest in my receivables?
- No. Bullion only. Your contracts and receivables are untouched.
- Will my GC find out?
- There is nothing for them to find. No lien, no notice, no assignment.
- What if the draw is late?
- Interest-only monthly keeps the carrying cost low while you wait.
Common uses
Buying Inventory
Buy the stock while the window is open and clear the balance when it sells. No prepayment penalty either way.
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Working Capital
Bridge the stretch between payroll on Friday and receivables in sixty days, without giving a processor a slice of every deposit.
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Equipment & Vehicles
Own the machine outright with no lien on it, which is what makes auctions and private sales possible at all.
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Payroll & Obligations
Meet a fixed obligation without crystallizing a gain and buying the position back later at whatever the market has done.
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Other businesses we fund
Coin & Bullion Dealers
Pledge the slow-moving core position so the display case stays stocked and the next lot can still be bought.
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Jewelers & Estate Buyers
Estate lots go to whoever can pay today, and the family usually wants a number before they leave the room.
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Retail & Restaurants
Card processors know your revenue to the dollar, which is precisely why what they offer costs what it does.
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Get started
Find the gift nobody expects.
No credit check and no obligation. Business purpose only.