What you hold · Scrap & Jewelry Gold
Karat Gold, Scrap and Estate Lots
Karat jewelry, dental gold and mixed estate lots are all real collateral. They just take more work to value, because nothing is stamped reliably.
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
Everything has to be tested
A bar states what it is. A jewelry lot does not. Marks are worn, wrong or occasionally fraudulent, karat varies piece to piece, and a great deal of what people believe is gold is plated. So the lot is tested item by item and weighed with stones and non-gold components excluded, and only then is there a number.
What affects the advance
- Actual karat, verified by acid or XRF rather than read from a mark.
- Net gold weight with stones, clasps and non-gold parts excluded.
- Condition is irrelevant — it is valued as metal.
- Any piece worth more as a piece, which we will flag rather than melt-value.
- Total net weight against the $23,000 collateral minimum.
How we handle it
- 01Describe the lot roughly — you do not need to sort it.
- 02Ship insured, or bring it in if you are near Fort Lauderdale.
- 03Test and weigh item by item, with the arithmetic shown.
- 04Flag anything that should be sold as a piece instead.
- 05Advance against net gold content.
Do not clean, polish or sort anything beforehand. Polishing removes weight, and sorting by eye reliably mis-assigns karat. Bring the whole box, including the pieces you assume are worthless.
Said plainly
Where we stop
If a signed designer piece or a branded watch is in the lot, we will tell you it is worth more as a piece than as collateral, and that pledging it against metal content is the wrong use of it.
FAQ
Common questions
- Do I need to know the karat?
- No. Every piece is tested. We do not read the stamp and take its word for it.
- What about the stones?
- Stones are not gold and are excluded from the weight. They can usually be removed and returned.
- Is broken jewelry worth less?
- No. Condition is irrelevant when something is valued as metal.
- Should I sort it first?
- No. Sorting by eye mis-assigns karat, and polishing removes weight.
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.
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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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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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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.