Raise liquidity against qualifying gold, silver, platinum, palladium, or a mixed metals portfolio without crossing a dealer spread to sell. LQD arranges private capital secured by verified bullion, coins, and bars, priced on metal type, purity, weight, form, and market pricing. Underwriting is asset-based with no credit check, and your metal stays in your name so you keep any upside. Eligibility and terms are not guaranteed.
Bullion is one of the most straightforward assets to lend against, because value rests on verified content rather than opinion. When you hold gold, silver, platinum, or palladium and need capital, selling means crossing a dealer spread and giving up your position. An asset-backed arrangement lets you raise the funds while the metal stays yours, held in insured custody and returned when the balance is repaid.
LQD arranges private capital against qualifying bullion bars, recognized bullion coins, allocated and vaulted holdings, and certain qualifying numismatic coins. Whether a holding works depends on metal type, purity or fineness, weight, form, authenticity, ownership, custody, market pricing, and independent verification. Generic rounds, scrap, or home-cast material may not qualify, and every holding is confirmed on its own.
Spot price is the reference everyone watches, but it is not the whole story. Spot, retail dealer price, dealer bid, melt value, numismatic value, insurance value, and liquidation value are all distinct, and none of them is automatically the collateral value. Our figure reflects verified content and form, custody, liquidity, transaction costs, and underwriting, and standard bullion is read differently from a genuine collectible premium.
Because underwriting is asset-based, there is no credit check and no income verification, and our AI-assisted process can surface indicative terms within hours of a complete submission. An existing lien does not automatically disqualify a holding; where one exists, the outstanding balance is worked into the structure, subject to underwriting and to the requested amount and the verified value supporting it. Everything stays discreet, and you can submit with whatever records you have.
None of this is required to submit. When you have it, it firms up the valuation and can speed the review and preliminary terms:
Documentation supports a review but never replaces independent verification of metal content.
Share photos and whatever records you have, including metal type, weight, form, mint or refiner, any assay documentation, and current storage. Nothing is required to begin a confidential review, and available paperwork moves the assessment along faster.
Metal type, purity, weight, form, and market support are reviewed, with independent verification of content and a valuation by LQD. Our AI-assisted underwriting can return indicative terms within hours, and ownership, custody, and any existing liens are confirmed as part of the review.
Once an arrangement is approved and closed, funding is typically completed within 24 to 72 hours. Your metal stays in your name and returns to you at repayment. Final eligibility and terms depend on verification and documentation.
A range of holdings can be considered. For any submission, we still confirm ownership, run independent verification, arrange custody, complete a valuation, and underwrite the deal, and eligibility and terms are not guaranteed.
Recognized gold bars can be reviewed on refiner, purity, weight, form, and market support. Hallmarks, serial numbers, and assay documentation help identify a bar, but a stamp alone does not establish authenticity, and content is verified independently.
Recognized silver bars and bullion can be reviewed on purity, weight, and form. Silver runs at a lower price per ounce and can carry higher relative handling and transport costs for a given value, which the review accounts for.
Platinum bars and recognized coins can be reviewed on purity, weight, form, and market pricing. Platinum markets can be thinner than gold, so liquidity and current demand are weighed alongside content.
Palladium bars and recognized coins can be reviewed on purity, weight, and form. Palladium can be more volatile and less liquid than gold or silver, and those traits factor into the review.
Widely recognized sovereign-mint coins can be reviewed on metal type, weight, purity, authenticity, and market support. A recognized mint marking or factory seal aids identification, yet on its own it cannot confirm authenticity or eligibility.
Some numismatic coins can be reviewed, but a collectible premium is separate from metal content and can be less liquid. Numismatic value calls for specialist review, and a grading case or label cannot on its own vouch for value.
Allocated, segregated holdings in a recognized facility with documented custody are straightforward to verify. Metals held privately can generally move to an approved, insured facility as part of the arrangement, and vaulting alone does not guarantee eligibility.
A portfolio spanning gold, silver, platinum, or palladium can be reviewed as a combined position, each metal valued on its own market. Some pieces within a combined holding may not make the cut, so every item is checked on its own.
Holdings are considered on metal type, purity, weight, form, authenticity, ownership, documentation, custody, market pricing, LQD's valuation, and underwriting. The list is illustrative, not exhaustive, and everything is verified individually.
Recognized gold bars, from large wholesale bars to smaller minted bars, can be reviewed on refiner, purity, weight, and form. Verified weight, fineness, hallmark, and serial number support identification, and minted bars often arrive in sealed, assay-carded packaging that helps confirm specifications, though content is verified independently.
Widely recognized sovereign-mint bullion coins can be reviewed on metal type, weight, purity, authenticity, and market support. Recognized coins tend to trade in deep, active secondary markets, though a mint name or sealed holder does not by itself establish authenticity, and each coin is verified.
Significant silver holdings, including recognized bars and bullion, can be reviewed on purity, weight, and form. Silver runs at a lower price per ounce than gold and can carry higher relative handling and transport costs for a given value, which the review accounts for.
Platinum and palladium bars and recognized coins can be reviewed on metal type, purity, weight, and form. These markets can be thinner and more volatile than gold, so liquidity and current demand are weighed alongside content when structuring an arrangement.
Minted bars in a range of sizes, produced by recognized refiners and stamped with hallmark, serial number, fineness, weight, and year of manufacture, can be reviewed. Assay paperwork and intact factory sealing add weight to the review, while unbranded, damaged, or home-poured pieces may fall short.
Holdings in a recognized storage facility with documented custody records can be reviewed. Allocated, segregated positions with a clear chain of custody are straightforward to verify, and metals in private storage can generally move to an approved, insured facility as part of the arrangement.
Spot is an important market reference, but it does not decide collateral value on its own. The review also reads independent verification, purity and form, custody, liquidity, transaction costs, and underwriting. Any premium paid over the underlying metal may not come back to you, and what a dealer lists as an asking price differs from the value you could actually realize.
Keep metal content and collectible value apart. Standard bullion is priced mainly on verified content and market pricing, while certain qualifying numismatic coins carry a collectible premium that sits separate from content, can be less liquid, and needs specialist review. A slabbed grading case or certification label cannot on its own promise value or eligibility, a factory seal or assay card still leaves verification necessary, and a refinery or mint name alone settles neither ownership nor authenticity.
LQD arranges private capital secured by precious metals. It is not a bullion dealer, metals broker, coin shop, commodity-trading platform, investment adviser, exchange, mint, refinery, assay laboratory, or custodian, and it does not offer commodity-price forecasts or investment advice. LQD does not present gold, silver, platinum, or palladium as guaranteed inflation hedges, safe havens, or stores of value.
LQD claims no affiliation with, endorsement by, or authority on behalf of any mint, refinery, assay office, vault, exchange, grading service, dealer, commodity market, or government. Product, refiner, and market names appear only for accurate description.
Pricing for capital purposes weighs verified content and market pricing together with verification, custody, form, and liquidity, rather than spot alone. Nothing below is a fixed or guaranteed figure.
These figures are not the same. Spot price, retail dealer price, dealer bid, melt value, numismatic value, insurance value, and liquidation value may all land at different numbers, and no single one of them defaults to the collateral value. Spot is a reference, not a determination, and it does not lock a capital figure. A preliminary capital offer is not a fixed commodity-price contract, and market prices may move between review, underwriting, and closing. Collateral value reflects LQD's valuation and verification of what a holding may realistically support, subject to underwriting.
Selling and borrowing solve different problems, and neither is automatically right. A sale turns metal into cash permanently and can make sense when you want out of a position. It also means parting with the metal, crossing a dealer spread, and accepting whatever the market offers that day.
Borrowing lets you hold the position. You keep ownership and any future upside, preserve an existing allocation, and avoid a forced sale while addressing a separate need or opportunity. It carries its own costs to weigh: financing charges, verification, custody, insurance, transport, and storage, along with default risk. Metal prices may shift over the life of the term, and should a default occur the pledged metals can be lost.
Timing and dealer spreads usually shape the call. An owner who does not want to liquidate into a soft market, or who wants an allocation to stay intact, often prefers to raise capital against it. Others simply want to sell, and both paths deserve an honest look against your own situation.
Submissions and conversations stay private, with documented intake and inventory confirmation. Your holding is never publicly listed, consigned, or advertised.
Weight and purity are confirmed through independent verification, with serial-number, assay, and packaging review, weighing content, form, and pricing rather than spot alone. There is no credit check.
Insured transport, documented intake, allocated storage where applicable, and secure custody protect the holding for the full term, and the metal is returned or re-allocated at repayment.
You do not need a full file to start a confidential review, but records help with authenticity, ownership, content verification, custody review, valuation, and underwriting. The more you can share, the faster we can move, and anything you lack does not automatically end the conversation.
Records and images that help include:
Send what you have, and our AI-assisted underwriting can turn a complete submission into indicative terms within hours.
Pledged metals are held in insured, secure custody for the term, and returned or re-allocated on your instruction at repayment. On receipt, we prepare a documented intake record and confirm the inventory.
Where a holding is not already in a recognized facility, LQD arranges insured transport to an approved, insured facility as part of the deal, with allocated or segregated storage where applicable. Independent verification of content is part of intake.
A broader multi-metal portfolio can be reviewed as a combined position, each metal valued on its own market. Owners whose holdings combine metals with gemstones can also look into jewelry and diamond collateral financing for select qualifying pieces, assessed apart from the bullion position.
Send your gold, silver, platinum, or palladium for a confidential, no-obligation review. Qualified holdings can see indicative terms within hours, with funding typically completed within 24 to 72 hours of approval. Your metal stays in your name. Eligibility and terms are not guaranteed.