Access liquidity against qualifying gold, silver, platinum, bullion, or a metals portfolio without selling. The Liquidity Network arranges private capital secured by qualifying precious-metals holdings, reviewed on metal type, purity, weight, form, authenticity, ownership, custody, TLN's valuation, and underwriting. Eligibility and terms are not guaranteed.
Precious metals collateral financing lets the owner of qualifying gold, silver, platinum, or palladium access private capital without selling it. The Liquidity Network arranges private capital secured by qualifying bullion bars, recognized bullion coins, allocated and vaulted holdings, and certain qualifying numismatic coins. A single significant holding or a broader multi-metal portfolio may be reviewed, and owners may be able to preserve ownership while accessing liquidity.
Whether a holding may qualify depends on metal type, purity or fineness, weight, form, authenticity, ownership, documentation, custody, market pricing, TLN's valuation, and underwriting. Not every coin, bar, round, or scrap holding automatically qualifies. Understanding the fundamentals of collateral-backed financing helps before preparing a submission.
It also helps to keep several figures separate. Spot price, retail dealer price, dealer bid, melt value, numismatic value, insurance value, and liquidation value are not necessarily the same as collateral value. Spot price is an important market reference, but it does not by itself set collateral value, which also reflects independent verification, form and purity, custody, liquidity, transaction costs, and underwriting. Recognized bullion and certain qualifying numismatic holdings can call for different valuation approaches, since a collectible premium is separate from metal content.
The category is straightforward to verify when documentation is clear, and nothing is required to begin a confidential review. An existing lien does not automatically disqualify a holding: 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. Discussions are handled discreetly, and you can submit precious metals for review with whatever records you have.
None of the following is required to submit. When these items happen to be available, they strengthen the valuation basis and can support a faster review and stronger preliminary terms:
None of these is required to begin. Where a holding carries an existing lien, the outstanding balance is factored into the capital structure, subject to underwriting and to the requested capital and the metals' verified value supporting it. Documentation supports a review but does not replace independent verification.
Select holdings across several categories may be reviewed. In every case, ownership, independent verification, custody, valuation, and underwriting apply, and eligibility and terms are not guaranteed.
Recognized gold bars may be reviewed based 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 metal content is verified independently.
Recognized silver bars and bullion may be reviewed on purity, weight, and form. Silver carries a lower price per ounce and can involve higher relative handling and transport costs for a given value, which is weighed in the review.
Platinum bars and recognized coins may be reviewed on purity, weight, form, and recognized market pricing. Platinum markets can be thinner than gold, so liquidity and current demand are weighed alongside metal content.
Palladium bars and recognized coins may be reviewed on purity, weight, and form. Palladium can be more volatile and less liquid than gold or silver, and those characteristics are considered as part of the review.
Recognized bullion coins may be reviewed on metal type, weight, purity, authenticity, and market support. A mint name or sealed package supports identification but does not by itself establish authenticity or eligibility.
Some numismatic coins may 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 holder or label does not independently guarantee value or eligibility.
Allocated and segregated holdings in a recognized facility with documented custody are straightforward to verify. Metals held privately can generally be transferred to an approved, insured facility as part of the arrangement, and vaulting alone does not guarantee eligibility.
A broader portfolio spanning gold, silver, platinum, or palladium may be reviewed as a combined position, with each metal valued on its own market. Not every item in a mixed holding qualifies, and each is verified individually.
Select precious-metals holdings may be reviewed based on metal type, purity, weight, form, authenticity, ownership, documentation, custody, market pricing, TLN's valuation, and underwriting. Not exhaustive, and all holdings are reviewed individually.
Recognized gold bars, from large wholesale bars to smaller minted bars, may 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 metal content is verified independently.
Widely recognized sovereign-mint bullion coins may be reviewed on metal type, weight, purity, authenticity, and market support. Recognized coins tend to have 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, may be reviewed on purity, weight, and form. Silver carries a lower price per ounce than gold and can involve higher relative handling and transport costs for a given value, which is weighed in the review.
Platinum and palladium bars and recognized coins may 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 metal 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, may be reviewed. Assay documentation and original sealing help support the review, while generic, damaged, or home-cast items may not qualify.
Holdings in a recognized storage facility with documented custody records may be reviewed. Allocated and segregated positions with a clear chain of custody are straightforward to verify, and metals in private storage can generally be transferred to an approved, insured facility as part of the arrangement.
Valuation for capital purposes weighs metal content and market pricing together with verification, custody, form, and liquidity, rather than spot price alone. No figure below is fixed or guaranteed.
Several figures are not the same. Spot price, retail dealer price, dealer bid, melt value, numismatic value, insurance value, and liquidation value can each differ, and none of them is automatically the collateral value. Spot price is an important market 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 change between review, underwriting, and closing. Collateral value reflects TLN's valuation and verification of what a holding may realistically support, subject to underwriting.
Spot price is an important market reference, but it does not automatically determine collateral value. A review also considers independent verification, purity and form, custody, liquidity, transaction costs, and underwriting. Retail premiums paid above metal content are not necessarily recoverable, and a dealer asking price is not the same as realizable market value.
Metal content and collectible value should not be conflated. Standard bullion is valued primarily on verified metal content and market pricing, while certain qualifying numismatic coins carry a collectible premium that is separate from metal content, can be less liquid, and requires specialist review. A grading holder or certification label does not independently guarantee value or eligibility, a sealed package or assay card does not remove the need for verification, and a refinery or mint name does not by itself establish ownership or authenticity.
The Liquidity Network 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 provide commodity-price predictions or investment advice. TLN does not present gold, silver, platinum, or palladium as guaranteed inflation hedges, safe havens, or stores of value.
TLN does not imply 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 are used only for accurate description.
Complete documentation is not always required to begin a confidential review, but available records may help with authenticity, ownership verification, metal-content verification, custody review, valuation, and underwriting. The more that is available, the more efficiently a holding can be assessed, and anything you do not have does not automatically end the conversation.
Helpful records and images include:
You can see where records fit in how a metals holding moves through review and valuation, and the answers about verification, valuation, and custody cover many of the practical points owners raise before submitting.
Metals pledged as collateral are held in insured, secure custody for the duration of the arrangement, and are returned or re-allocated per your instruction on repayment. Documented intake and inventory confirmation are prepared on receipt.
Where a holding is not already in a recognized facility, TLN coordinates insured transport to an approved, insured facility as part of the arrangement, with allocated or segregated storage where applicable. Independent verification of metal content is part of intake.
A broader multi-metal portfolio may be reviewed as a combined position, each metal valued on its own market. Owners whose holdings pair metals with gemstones may also explore jewelry and diamond collateral financing for select qualifying pieces, reviewed separately from the bullion position.
Selling and borrowing are different tools, and neither is automatically the better choice. Selling converts metal to cash permanently and can make sense when an owner wants to exit a position. It also means parting with the metal, crossing a dealer spread, and accepting whatever the market offers at that moment.
Borrowing against a holding lets an owner retain ownership and preserve an existing metals allocation while avoiding an immediate liquidation and addressing a separate need or opportunity. It carries its own considerations: financing costs, verification, custody, insurance, transportation, and storage, along with default risk. Metal prices can move during the term, and in the event of default the pledged metals may be subject to loss.
Timing and dealer spreads often shape the decision. An owner who does not want to liquidate into a soft market, or who wants to keep an allocation intact, may prefer to explore alternatives to immediately selling bullion. Others may simply prefer to sell, and it is worth weighing both against your own circumstances. There is more on private-capital considerations for asset owners for those working through the same decision.
Submissions and discussions are handled privately, with documented intake and inventory confirmation. Your holding is not publicly listed, consigned, or advertised.
Weight and purity are reviewed through independent verification, with serial-number, assay, and packaging review, weighing metal content, form, and market pricing rather than spot alone.
Insured transport, documented intake, allocated storage where applicable, and secure custody protect the holding for the duration of the arrangement.
Share photographs and whatever records you have on the holding, including metal type, weight, form, mint or refiner, any assay documentation, and current storage. Nothing is required to begin a confidential review, and available documentation helps the assessment move more efficiently.
Metal type, purity, weight, form, and market support are reviewed, with independent verification of metal content and a valuation by TLN. Ownership, custody, and any existing liens are verified as part of the review.
Qualified submissions may receive a preliminary capital offer following ownership verification, metal-content review, custody review, TLN's valuation, and underwriting. Final eligibility and terms are subject to documentation and review.
Submit your precious-metals holdings for a confidential review. Qualified submissions may receive a preliminary capital offer following verification, ownership review, valuation, and underwriting. Eligibility and terms are not guaranteed.