Nationwide
Gold Is the Easiest Thing in the World to Lend Against
The weight is known, the purity is known and the price is public and continuous. There is nothing to argue about — which is why a gold-secured advance is arithmetic rather than underwriting, and why it funds in days.
No credit check and no obligation. If borrowing is the wrong instrument for your situation, that is what you will hear first.
65%
Advance against market value
$15k
Minimum loan — about $23,000 in gold
Same
Bars returned on repayment. Not equivalent — the same bars
2004
Trading precious metals since
What you hold
What you hold
Six forms of gold. Two of them you should probably not pledge, and those pages say so.
Gold Bars
A cast or minted bar from a recognized refiner is the simplest thing to lend against. Known weight, known purity, public price, and usually a serial number.
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Sovereign Coins
Government-minted bullion coins are widely recognized, easy to verify, and highly liquid. They are excellent collateral — with one caveat that costs people money.
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Scrap & Jewelry Gold
Karat jewelry, dental gold and mixed estate lots are all real collateral. They just take more work to value, because nothing is stamped reliably.
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Dealer Inventory
Every dealer has had the month where the only way to make a purchase or meet an obligation is to sell inventory into a bid that is softer than it should be.
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Inherited & Estate Gold
Inherited metal comes with two complications that purchased metal does not: establishing who is entitled to pledge it, and deciding whether you want it at all.
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What Not to Pledge
A money page whose job is to reduce the size of your loan. These four categories are worth more to you than they are as collateral.
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The difference
What makes this different from selling it
Gold is the easiest collateral to value
There is nothing to argue about. The weight is known, the purity is known, and the price is public and continuous. That is why a gold-secured advance funds in days rather than weeks — the underwriting is arithmetic.
The same bars come back
Not an equivalent weight of similar metal. The same bars and coins, with the same serial numbers where they carry them. Ask any lender in this space that question, because the answers differ and the difference is material.
Numismatic premium is not collateral
A secured advance is against metal content. If a coin carries a collector premium well above melt, that value is worth more to you than to us, and we will tell you not to pledge it.
Business purpose only, and we mean it
These are commercial loans. They are not offered for personal, family or household use, and that is a licensing characteristic rather than a preference. If your need is personal we will say so and point you somewhere useful.
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Get an estimate
Tell us what you hold and what the funding is for. No credit check, no obligation, and terms in writing before anything ships.
If your need is personal rather than business, we cannot fund it — and we will tell you that first rather than after you have shipped metal.
FAQ
Common questions
- How much can I borrow?
- Up to 65% of market value, minimum $15,000 — roughly $23,000 of gold.
- Can I borrow for a personal reason?
- No. Business purpose only. That is a licensing characteristic, not a preference.
- Which states are excluded?
- Nevada, Vermont, North Dakota and South Dakota. That is absolute.
- Do you check credit?
- No. The loan is secured by the gold, so the gold is what gets inspected.
- Do I get the same bars back?
- Yes — the same bars and coins, not an equivalent weight. Ask any lender that question.
- Do you lend against rare coins?
- Against their metal content only, which is why you should not pledge one. The premium is worth more to you than to us.
- What is the interest rate?
- Single digit, interest-only monthly, no origination fees and no prepayment penalty. We do not publish a specific APR.
- What is the catch?
- A monthly obligation, a margin call if gold falls materially, a 65% ceiling, and losing the collateral on default. All four are real and all four have a page.
Next step
Run it both ways before you decide.
No credit check and no obligation. Tell us what you hold and what the money is for, and if selling is the better answer for your situation you will be told that first.
Business purpose only. Not available in Nevada, Vermont, North Dakota and South Dakota.