What you hold · Inherited & Estate Gold
Gold You Did Not Buy
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.
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
Entitlement first, arithmetic second
Before any of the usual questions, there is a prior one: are you entitled to pledge this? For an estate that means documented authority — letters, an appointment, a completed distribution. We will ask, and we will not proceed without it, because a facility secured against property somebody else has a claim to helps nobody.
What has to be established
- Documented authority to pledge, where the estate is not fully distributed.
- Whether other beneficiaries have an interest in the same property.
- Whether you actually want to keep the metal at all.
- Whether the need is genuinely business purpose.
- What the lot contains, since inherited holdings are usually mixed.
How we handle it
- 01Establish authority before anything else.
- 02Identify what is in the lot — bars, coins, jewelry, or all three.
- 03Flag anything worth more as a piece than as metal.
- 04Estimate against metal content.
- 05Fund, with the same items returned on repayment.
Inherited holdings are frequently mixed and frequently contain something the family did not know was interesting — a key-date coin, a signed piece. It is worth having the lot looked at properly before any of it is pledged or sold.
Said plainly
Where we stop
If you have no attachment to the metal and the need is not clearly business purpose, selling is simpler, gives you more of the value, and creates no monthly obligation. We will say so, and we buy metal at the counter if that is where you land.
FAQ
Common questions
- Can I borrow against an estate's gold?
- Only with documented authority to pledge it. We will ask to see it.
- What if other beneficiaries have a claim?
- Then it is resolved before we lend. A facility secured against contested property helps nobody.
- Should I just sell it?
- Often yes, if you have no attachment to it and the need is not business purpose. That is the honest answer.
- Might there be something valuable in the lot?
- Frequently. Have it looked at before pledging or selling any of it.
More 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 →
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.