FAQ
The Questions People Actually Ask
Including the ones where the honest answer is that we cannot help.
No credit check and no obligation. If borrowing is the wrong instrument for your situation, that is what you will hear first.
FAQ
Borrowing against gold
- How much can I borrow?
- Up to 65% of market value, minimum $15,000 — about $23,000 of gold.
- Is this a pawn loan?
- No. Much higher advance rate, much lower interest, no short forfeit date, and a different regulatory structure.
- Can I use it for a personal need?
- No. Business purpose only, and that is a licensing matter rather than a preference.
- Which states are excluded?
- Nevada, Vermont, North Dakota and South Dakota.
- Do you check credit?
- No. The gold is the security.
- How fast does it fund?
- Days once verified collateral is in hand, not hours.
- Do I get the same bars back?
- Yes, with serial numbers recorded at intake.
- Is my gold insured while you hold it?
- It is held in a fully insured US vault. Ask for the specifics before shipping.
- Do you lend on numismatic value?
- No — metal content only. That is why a genuinely rare coin should not be pledged.
- What about jewelry?
- Tested and weighed with stones and non-gold parts excluded, then advanced on net gold content.
- What triggers a margin call?
- A material fall in the gold price pushing the loan-to-value out of range.
- What happens if I default?
- The collateral covers the loan. That is what secured means.
- Can I repay early?
- Yes, with no prepayment penalty.
- Can I pledge part of my holding?
- Yes. Only the pledged metal comes to the vault.
- Should I just sell instead?
- Sometimes — below the minimum, for a personal need, or if you would not buy the gold back at today's price. We will say so.
Still not answered?
Call (954) 951-8926 and describe what you hold. If borrowing is the wrong instrument, that is what you will be told.
What you hold
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.
Explore →
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.
Explore →
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.
Explore →
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.
Explore →
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.
Explore →
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.
Explore →
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.