Secured Peer-To-Peer Precious Metal Loans

Precious metals are excellent wealth protection assets that thrive especially during times of crisis. Given their time-tested trustworthy nature, physical gold, silver, and platinum can also be readily accepted collateral for precious metal loans to unlock short-term liquidity for you.

Instead of only keeping your platinum, silver, and gold bullion in a secure vault, you can also use them as precious metal collateral to obtain bullion loans to meet short-term funding needs.

Enter our Bullion Secure Peer-to-Peer (P2P) Loan Program. You can easily borrow money by obtaining platinum, silver, or gold loans if you are already storing bullion (e.g. gold, silver, platinum or other precious metals) with us.

You can also transfer platinum, silver, or gold bullion for storage into our vault, The Safe House, to obtain a bullion loan from our loan program.

Alternatively, you can participate as a lender in our loan program by lending money to borrowers seeking gold and silver loans for an interest return.

Silver Bullion acts as escrow, custodian and platform provider to securely enable lending and borrowing between clients at their chosen terms. Clients have made 845,348,263 SGD worth of loans since 2015 with no defaults, thanks to high collaterals and our sweeper fund.

Borrowing requires eligible physical assets (e.g., gold bars, gold coins, silver bars, silver coins, platinum bullion, and luxury watches) to be vaulted with us to guarantee loan repayment. Gold jewelry is not accepted. Clients with physical assets can create borrowing requests to ask for funds at their chosen terms.

Your assets remain your property

When you borrow using your precious metals as collateral, you maintain ownership of your assets. Instead, a lien is placed on your bullion parcels used as loan collateral. These parcels will need to stay in our vault until the loan is returned.

Fast, efficient, and inexpensive

With your precious metals stored with us, you can easily submit a borrowing request for a bullion loan with your desired requirements, such as loan tenure, interest rate, and loan principle. The amount you can borrow depends on your asset's current market value based on our sellback rates and the asset's Loan-to-Value Ratio (LtV). Your borrowing request will then be published to the lenders on our loan program.

If a lender accepts your loan terms, a loan is matched, and a contract is created without the need for credit history checks. Loan contracts are made in minutes, with the loan proceeds released on the 1st, 8th, 15th and 22nd of each month. The only processing fee is a 0.5% p.a.* of the loan amount, payable at the loan end. *(1% for - 1 month loans).

There are no restrictions on how you use your platinum, silver, or gold loan proceeds.

Deposit existing assets with us

Borrow against your eligible precious metal assets and unlock cash liquidity by transferring your bullion into our vault storage. After transfer-in and authentication, you can obtain funds without selling your eligible assets and avoid potential capital gains taxes. You always maintain ownership of your precious metals throughout the loan tenure.

Lending requires USD / EUR / SGD to be held in our escrow account so it can be lent to borrowers. Lenders create lending offers to bid for loans at their chosen terms (i.e., interest rate, loan tenure, and loan principle).

Secured

Your loan is secured with 160% to 200% of borrower’s assets and should, during the loan term, the collateral fall to 110% we will liquidate the assets to cover the loan.

Reliable

You always receive your funds on time when a loan matures. Our “sweeper fund” ensures that there are no payment delays by your counterparty, ensuring reliability and enabling smooth roll-overs without idling funds.

Authenticated and Insured Collateral

The precious metal collateral is authenticated by us and fully insured by Lloyd's of London underwriters – covering theft, infidelity and mysterious disappearance.

Over the last 9 years, we have processed 19,958 bullion loans without any defaults to lenders. The steps involve:

Bid/Ask Market

Available lending offers and borrowing requests for the next loan start date are listed in the Bid/Ask Market. All loans start on the next loan starting date, being the 1st, 8th, 15th or 22nd of each month.

Lenders and Borrowers agree on terms

When a lending offer and borrowing request match, a contract is created. The bid / ask market enables lenders and borrowers to find a mutually agreeable amounts, interest rates (2% to 10% p.a.), currencies (SGD, USD or EUR) and durations (1, 6, 12 or 24 months).

Transfer of Funds and Low Fees

Silver Bullion will send the funds to the respective parties, ensuring reliability. The only loan processing fee is a 0.5% p.a. of principal (1% for 1-month loans) charged at the end of the loan.

When a loan expires the borrower can:

1. Return the funds by or before the due date to Silver Bullion.
2. Roll-over the loan with another loan – to be set 1-week before expiry.
3. A combination of the above.

When a loan expires the lender can:

1. Return or utilize the funds.
2. Roll-over the funds into another loan – to be set 1 week before expiry.
3. A combination of the above.

Should a borrower not return funds on time:

Our “sweeper fund” will cover any payment shortfall ensuring that the lender will still obtain funds on time, a 1% late fee will be charged to the borrower for the shortfall.

Liquidation of Collateral Occurs When:

Should a borrower not return funds for a period of 1 month or should the value of the pledged collateral fall to 110% of collateral then the collateral will be liquidated to ensure the loan repayment.

IMPORTANT: We do not facilitate asset leasing as it can put your asset at risk, instead your property can only be used by you as collateral to obtain low interest loan from other clients.

Loan Durations and Loan to Value Ratio
Metal	Loan Duration	LTV Ratio
Gold	1 mth	62.5%
	6 mth
	12 mth
	24 mth
Silver, Platinum, Palladium, Nickel & Cobalt	1 mth	62.5%
	6 mth	50%
	12 mth
	24 mth