Who we fund · Professional Practices
Funding for Professional Practices
Practices are asset-light and cash-heavy, which makes conventional lenders ask for a personal guarantee on everything.
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
A pledge of bullion is a defined, bounded piece of collateral. It does not put your home behind the loan and it does not require the practice to be underwritten.
What it typically funds
- Equipment or a chair
- Funding a partner buy-in
- Covering a slow quarter
- Fitting out a second location
In practice
The situation this usually solves
Professional practices carry an unusual combination: high-value work, long collection cycles, and fixed overheads that do not wait. A contingency practice, a firm carrying a long matter, or a medical practice waiting on reimbursement can be profitable on paper and short of cash in the same month. Partners holding metal personally are frequently the practice's most liquid resource without realizing it.
Said plainly
When this is the wrong tool
Handle the personal-versus-practice line carefully, because it is the thing most often skipped. Metal held personally, pledged for a practice obligation, mixes personal assets with business risk in a way partners should think about deliberately and discuss with their own advisers. It is also the wrong tool for a practice whose collections problem is chronic — that is an operations issue, and financing it postpones the reckoning rather than resolving it.
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
- Is a personal guarantee required?
- The pledged metal is the security. We are not seeking your home.
- Do you underwrite the practice?
- No. We verify the collateral.
- Can a partnership borrow?
- Yes. Whoever owns the metal pledges it; talk to us about the structure.
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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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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Get started
Find the gift nobody expects.
No credit check and no obligation. Business purpose only.