Verification and assay
Bars are identified by serial number, refiner and cast, and checked against the LBMA Good Delivery List. Metal outside chain of integrity is re-assayed before acceptance.
Gold-Secured Lending
Credit facilities advanced against LBMA Good Delivery gold ingots held in allocated, independently vaulted storage — liquidity without parting with the metal.
Capital against metal you already own
Physical gold is a durable store of value and a poor source of working capital. Holders are routinely asked to choose between keeping a long-term position and funding a present requirement. Our gold-secured facilities remove that choice: the metal stays in your name, in allocated storage, and a credit line is advanced against its appraised value.
We accept only LBMA Good Delivery bars, verified by serial number and refiner, held with an independent vault operator under insurance. Facilities are documented as secured lending, monitored daily against a published benchmark, and released bar-for-bar on repayment.
Where a borrower's collateral is financial rather than physical, the equivalent structure is set out on our securities-backed lending page.
How the facility works
Every stage is evidenced before the next begins. Nothing is funded on an undertaking to document later.
Allocated storage
Collateral is held in allocated, segregated form with an independent vault operator and an insurance policy naming the facility. We do not lease, lend or rehypothecate client metal.
Valuation and advance
Value is struck against a recognised benchmark fix on the drawdown date. The facility is documented as a secured line rather than a sale, so ownership of the metal does not change.
Monitoring and margining
Loan-to-value is monitored on each business day. Where the threshold is breached, additional collateral or a partial repayment is required within the cure period.
Orderly realisation
If a cure is not delivered, only the portion of metal needed to restore the position is sold at market. Any surplus is returned to the borrower with a full settlement statement.
Release
On repayment, bars are released by serial number in the same allocated form in which they were received, or delivered to a nominated vault account.
Why borrowers use it
Liquidity without disposal
Raise working or investment capital while retaining full ownership and future upside of the metal.
Bridge to a scheduled event
Cover timing between a contracted receipt, refinancing or asset sale without forced liquidation.
Portfolio diversification
Deploy released liquidity into unrelated income-producing assets while the metal position remains intact.
Succession and continuity
Preserve a long-held holding intended for the next generation while still funding present requirements.
How our structure differs
Allocated, never pooled
Each borrower's bars remain individually identified. Collateral is not commingled into an unallocated account and is never used to fund another position.
Independent custody
Vaulting and insurance sit with a third party, so the lender is not also the custodian of record. Statements are issued by the vault operator directly to the borrower.
Documented before funded
Security is perfected in the relevant jurisdiction before any drawdown. Where enforceability cannot be evidenced, the facility does not proceed.
Pricing without opacity
Interest, storage, insurance and administration are set out as separate line items at term sheet stage. There are no realisation fees discovered at exit.
What we require
- Proof of title and lawful origin of the metal, including purchase documentation
- Identification and beneficial ownership records for all parties
- Sanctions, source-of-funds and source-of-wealth clearance
- Vault acceptance, assay confirmation and insurance certification
- Executed facility agreement, security deed and control arrangements
Questions
- Do I sell the gold?
- No. The facility is a secured loan. Title remains with you throughout, and the same bars are returned on repayment.
- What happens if the gold price falls?
- Loan-to-value is monitored daily. If it exceeds the margin threshold, you may post additional collateral or repay part of the balance within the cure period before any realisation is considered.
- Can I source metal through the facility?
- Yes. Where a borrower wishes to build a position, we can introduce accredited dealers at market and arrange vaulting and insurance before the facility is drawn.
- Is the metal ever lent out?
- No. Collateral is held in allocated form and is not leased, lent or rehypothecated under any circumstances.
Discuss a gold-secured facility
Share the holding, the vaulting arrangement and the intended use of proceeds, and we will revert with an indicative structure.
Information on this page is provided for general information only. It does not constitute an offer of credit, a commitment to lend, or investment advice. All facilities are subject to collateral verification, compliance clearance, credit approval and executed documentation.