Silver realities · Liquidity at the End
What Happens If You Need to Sell It
Every secured facility ends one of two ways: you repay, or the collateral is sold. It is worth understanding in advance how quickly your particular silver would move.
Tell us the form as well as the quantity. With silver, form changes the number more than people expect.
65%
Advance against market value
$15k
Minimum loan — a lot of silver at current prices
Sealed
Monster boxes verify by seal, which saves you money
Same
The same boxes and bars come back
Not all silver sells at the same speed
Sealed sovereign coin moves almost instantly. A thousand-ounce commercial bar takes longer and reaches a narrower set of buyers. Mixed junk silver and sterling flatware are slower still and carry a wider spread. That matters both to us and to you, and it is rarely discussed.
Roughly fastest to slowest
- Sealed sovereign coin in original boxes — fastest, tightest spread.
- Recognized-refiner bars up to 100oz — fast.
- Large commercial bars — slower, fewer buyers.
- Generic rounds from unfamiliar mints — slower, wider spread.
- Junk silver and sterling — slowest, widest spread.
How we handle it
- 01Be honest about how liquid your particular holding is.
- 02Factor that into the facility rather than ignoring it.
- 03Tell you if part of the holding would be difficult to move.
- 04Buy it ourselves at the counter if you decide to sell.
If you are buying silver partly as a reserve you might one day borrow against or sell quickly, buy it in sealed sovereign form. It costs a little more up front and it is meaningfully more useful at both ends.
FAQ
Common questions
- What silver sells fastest?
- Sealed sovereign coin in original boxes, by a clear margin.
- Is junk silver hard to sell?
- Slower and at a wider spread, because it has to be weighed and assessed by the buyer too.
- Does liquidity affect my advance?
- It can affect what we will take and how we size it. We will be plain about that.
- Will you buy it if I decide to sell?
- Yes. We buy metal at the counter, tested and weighed in front of you.
What you hold
Sealed Monster Boxes
A sealed mint box of 500 coins is the easiest silver there is to handle. The seal is intact, the count is known, and verification takes minutes rather than hours.
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Silver Bars
Bars are the most storage-efficient form of silver, and the larger the bar the better the economics — right up until you want to sell part of it.
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Rounds & Generic Silver
Privately minted rounds are pure metal exposure with no sovereign premium, which makes them straightforward collateral and slightly less liquid at sale.
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Junk Silver & 90% Coin
Pre-1965 US 90% coin is genuine silver collateral and the most labor-intensive form of it. It arrives loose, it has to be weighed, and worn coins contain less silver than new ones.
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Sterling & Flatware
Sterling flatware and hollowware are real silver, and the two complications are weighted handles and the fact that some sets are worth more than melt.
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Dealer Silver Inventory
Dealers holding silver have a particular version of this problem: the stock is bulky, it moves slowly, and it ties up capital in a form that is expensive to liquidate quickly.
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More silver realities
Volatility & Margin Calls
Silver moves more than gold. The same 65% advance therefore has less room before the loan-to-value goes out of range.
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Bulk & Freight
The same value in silver occupies roughly seventy times the volume of gold. Everything downstream of that — freight, handling, storage — follows from it.
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The Gold-Silver Ratio
A question we get often from people holding both, and the honest answer has nothing to do with predicting the ratio.
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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.