Who we fund · Retail & Restaurants
Funding for Retail and Restaurants
Card processors know your revenue to the dollar, which is exactly why the money they offer is so expensive.
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
An advance against future receipts takes a cut of every deposit at a cost most owners never annualize. This takes a monthly interest payment against metal instead, and leaves your card settlements alone.
What it typically funds
- Seasonal inventory build
- A build-out or refit
- Bridging to a second location
- Replacing equipment that failed
In practice
The situation this usually solves
Seasonality is the recurring shape. Inventory or covers have to be funded ahead of a season, revenue arrives during it, and the quiet months in between still carry rent and payroll. In a Florida market that swing is pronounced, and it is predictable — which is what makes a short, defined facility a reasonable tool rather than a gamble.
Said plainly
When this is the wrong tool
A poor fit when the quiet season is not seasonal. If trade has fallen structurally rather than cyclically, borrowing funds the decline rather than bridging it, and you have added a secured obligation to a business that was already under pressure. The honest test is whether last year's season, and the one before, actually recovered the gap. If they did not, the problem is not timing.
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 is this better than the offer from my processor?
- Compare the effective annual cost, not the factor rate. Ours is single-digit interest on the balance.
- Does it touch my card settlements?
- No. There is no daily or weekly debit.
- Can I use it for a personal expense?
- No. Business purpose only.
Common uses
Buying Inventory
Buy the stock while the window is open and clear the balance when it sells. No prepayment penalty either way.
Explore →
Working Capital
Bridge the stretch between payroll on Friday and receivables in sixty days, without giving a processor a slice of every deposit.
Explore →
Equipment & Vehicles
Own the machine outright with no lien on it, which is what makes auctions and private sales possible at all.
Explore →
Payroll & Obligations
Meet a fixed obligation without crystallizing a gain and buying the position back later at whatever the market has done.
Explore →
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.
Explore →
Jewelers & Estate Buyers
Estate lots go to whoever can pay today, and the family usually wants a number before they leave the room.
Explore →
Contractors & Trades
Materials and labor go out first, on a draw schedule somebody else wrote. This funds the middle of it.
Explore →
Get started
Find the gift nobody expects.
No credit check and no obligation. Business purpose only.