Gold, silver, and platinum bullion accepted as collateral, LBMA Good Delivery bars, assay-certified holdings, sovereign mint coins, and significant bullion portfolios. Spot-based underwriting. Initial review typically within one business day.
Gold, silver, and platinum hold a unique position among asset classes. They are simultaneously stores of value, globally recognized mediums of exchange, and highly liquid commodities traded around the clock across international markets. Unlike most collectible assets, precious metals prices are determined transparently by continuous global trading, London AM/PM gold fixes, COMEX futures, and LBMA spot pricing provide unambiguous, real-time reference values accessible to any market participant.
This combination of global liquidity, price transparency, and universal recognition makes precious metals some of the most straightforward collateral for private capital arrangements. The Liquidity Network structures capital against precious metals holdings efficiently and precisely, anchored to verified weight, assay-confirmed fineness, and current spot price, with loan-to-value ratios that reflect the deep liquidity of these markets.
Gold has served as a store of value and medium of exchange for millennia, and its position in modern capital markets reflects this long history. Central banks hold gold as a reserve asset. Sovereign wealth funds allocate to gold as portfolio insurance. Institutional investors use gold as a hedge against currency debasement. This depth of institutional demand creates the liquidity that makes gold the most efficient precious metals collateral.
Whether you hold LBMA Good Delivery bars in a recognized vault, a portfolio of PAMP Suisse minted bars, a collection of American Gold Eagles or Canadian Maple Leafs, or a significant holding of platinum group metals, TLN provides discreet, fast, and fair capital against your position without requiring liquidation. Proof of ownership, assay certificates, and appraisals are helpful but not required up front, and TLN conducts its own research, valuation, and verification on every asset. An existing lien or loan against the metals does not automatically disqualify them. Where a lien exists, the outstanding balance is factored into the capital structure, subject to underwriting and to the requested capital and the metals' verified value supporting it.
None of the following is required to submit. TLN conducts its own research, valuation, and verification on every asset. When these items happen to be available, they strengthen the valuation basis and can support a faster review and stronger preliminary terms:
TLN reviews a wide range of investment-grade precious metals. Not exhaustive, all holdings reviewed on individual merits.
LBMA Good Delivery bars (400 oz) are the institutional standard, with verified weight, fineness, hallmark, and serial number and maximum loan-to-value treatment. Recognized minted bars from PAMP Suisse, Valcambi, Credit Suisse, and Perth Mint, available in 1g to 1 kg sizes, typically arrive in assay-certified blister packs confirming specifications.
American Gold Eagles, Canadian Gold Maple Leafs, South African Krugerrands, Austrian Philharmonics, Chinese Pandas, and other sovereign mint coins. Government-guaranteed gold content, laser-security authentication features, and deep secondary market liquidity make these among the most tradable forms of gold.
Significant silver holdings, multiple LBMA Good Delivery bars or equivalent, minted bars, and rounds. Silver carries a lower price per ounce than gold but similar global liquidity and LBMA market infrastructure, and TLN structures efficient capital arrangements anchored to LBMA silver spot pricing.
LPPM Good Delivery platinum bars and coins from recognized refiners including Heraeus, Umicore, and Tanaka. Platinum is the rarest of the primary investment metals, and recognized LPPM (London Platinum and Palladium Market) spot pricing supports platinum group metals as a legitimate precious metals collateral category.
Investment-grade ingots and minted bars in sizes from 1 gram to 1 kilogram, produced by LBMA-approved refiners and stamped with hallmark, serial number, fineness, weight, and year of manufacture. Assay certificates and blister-pack sealing strengthen the valuation basis.
Holdings in LBMA-approved vaults, Brinks, or other recognized storage facilities with documented custody records. Allocated and segregated positions with a clear chain of custody are ideal, and metals in private storage can be transferred to an approved, insured facility as part of the loan process.
The London Bullion Market Association (LBMA) is the global authority governing the international wholesale gold and silver market. LBMA Good Delivery standards define the minimum specifications for bullion bars acceptable for settlement in London, the world's most liquid physical gold and silver market, transacting hundreds of billions of dollars in bullion daily.
LBMA & LPPM Good Delivery Standards: LBMA Good Delivery gold bars must weigh between 350 and 430 troy ounces, with a minimum fineness of 99.5% gold. LBMA Good Delivery silver bars must weigh between 750 and 1,100 troy ounces, with a minimum fineness of 99.9%. Each bar must be produced by an LBMA-approved refiner, stamped with the refiner's hallmark, serial number, fineness, weight, and year of manufacture, and accompanied by an assay certificate confirming its specifications.
Institutional Liquidity: For lending purposes, LBMA Good Delivery bars represent the gold standard (literally) of bullion collateral. They are accepted by central banks, bullion banks, institutional investors, and recognized storage facilities worldwide. Their verified specifications eliminate assay uncertainty and their global liquidity means we can underwrite them with confidence against verified spot price references.
Spot Price, Weight & Fineness: We value your gold, silver, and platinum against current LBMA and LPPM spot pricing, applied to verified weight and fineness. You always know exactly where your valuation is anchored.
Silver Collateral: Silver presents a different collateral profile than gold, lower price per ounce but similar global liquidity and LBMA market infrastructure. For significant silver holdings (multiple LBMA Good Delivery bars or equivalent), TLN can structure efficient capital arrangements anchored to LBMA silver spot pricing.
Platinum Group Metals: Platinum is the rarest of the three primary investment metals, with approximately 190 tons of annual mine supply compared to roughly 3,300 tons for gold. Platinum's rarity, industrial demand (primarily automotive catalytic converters), and recognized market infrastructure, LPPM (London Platinum and Palladium Market) spot pricing, make it a legitimate precious metals collateral category. We accept LPPM Good Delivery platinum bars from recognized refiners including Heraeus, Umicore, and Tanaka.
The critical distinction between bullion value and numismatic (collectible) value is central to our underwriting approach. Bullion value is determined by spot price multiplied by troy weight multiplied by fineness, it is objective, calculable, and globally verifiable. Numismatic value represents the premium a collector pays above melt value for rarity, condition, historical significance, or collector demand.
For standard bullion products, American Gold Eagles, Maple Leafs, PAMP bars, LBMA Good Delivery bars, we base our valuation entirely on bullion fundamentals. This provides maximum transparency and predictability in our underwriting.
For coins where significant numismatic value is claimed above bullion value, PCGS or NGC-graded numismatic rarities, key-date coins, proof sets, or historic monetary coinage, we engage specialist numismatic appraisers and evaluate the numismatic component separately. This allows us to potentially recognize the full value of significant numismatic holdings rather than applying a pure melt-value floor.
We draw on independent assay certification from recognized laboratories and mint documentation when it is available to confirm fineness and weight, though such documentation is not required to submit. TLN conducts its own research, valuation, and verification on every asset, and existing documentation simply strengthens the valuation and can support a faster review.
Your metals are stored in approved, fully insured vault facilities meeting or exceeding LBMA custody standards. Segregated storage, regular reporting, and full insurance for the duration of your loan.
Hold gold, silver, and platinum? We can structure capital against the combined portfolio, valuing each metal independently and building a single efficient capital arrangement against the aggregate position.
Provide a description of your holdings, weight, form (bars/coins), refiner or mint, assay certificate copies, and current storage location. We respond within hours with a preliminary assessment.
Holdings are verified against assay documentation and spot pricing. A non-binding capital offer is then issued, reflecting current spot price and applicable LTV ratio. Initial reviews are typically completed within one business day, depending on the asset, available documentation, ownership verification, valuation complexity, and transaction details. Timing, eligibility, and terms are not guaranteed.
Metals transferred to a fully insured, approved vault under your loan agreement. Capital disbursed. At maturity, repay principal and fees, metals returned to your possession or re-allocated per your instruction.
Submit your holdings for a confidential review. No credit check. No obligation. Initial review typically within one business day.