Who we fund · Jewelers & Estate Buyers
Funding for Jewelers and Estate Buyers
Estate lots do not wait. The family wants a number today, and the person who can pay today gets the lot.
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
Certainty of funds is what you are actually selling to the seller. Borrowing against bullion you already hold turns a maybe into a check, without a bank in the middle.
What it typically funds
- Closing an estate purchase this week
- Buying at auction where cleared funds win
- Funding a seasonal inventory build
- Covering a bench or restoration backlog
In practice
The situation this usually solves
Estate buying is lumpy in a way that ordinary retail is not. A whole estate arrives at once, has to be paid for at once, and converts to cash over months as pieces are sorted, restored and sold. The gap between those two events is the entire problem, and it arrives with no notice — estates do not schedule themselves around your cash position.
Said plainly
When this is the wrong tool
Less suitable where the underlying business is the issue rather than the timing. If retail sales have slowed, financing more buying does not fix it. It is also a poor fit for a buyer whose holding is mostly finished jewelry valued on craftsmanship and stones rather than metal — the lending value follows the metal, and a borrower expecting retail value will find the figure disappointing. Better to know that before you commit to an estate than after.
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
- How fast, realistically?
- Days from verified collateral. The metal reaching us is usually the longest step.
- Do you lend against finished jewelry?
- We lend against investment-grade bullion. Scrap and finished pieces are a buying conversation, not a lending one.
- Can I repay from the estate resale?
- Yes, with no prepayment penalty.
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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Contractors & Trades
Materials and labor go out first, on a draw schedule somebody else wrote. This funds the middle of it.
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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.