Unlock Global Liquidity: Premium Gold Collateral Loans

At Neville Montagu, we understand that for the high-net-worth Investor, gold is more than a hedge; it is a foundation for broader wealth strategies. Our Gold Loan facility allows you to maintain 100% of your market exposure while unlocking immediate capital for reinvestment, business cash flow, or strategic acquisitions.

Leverage your physical gold to access capital without liquidating your assets. Enjoy fast processing, zero credit checks, and highly competitive rates starting at 5% p.a.

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Key Benefits

No Credit Checks: Your gold is your credit. We do not require invasive financial histories or credit scoring.

Highly Competitive Rates: Interest rates as low as 5% up to 7%, depending on loan size.

Flexible Terms: Tailored loan durations ranging from 3 to 60 months.

No Pre-Payment Penalties: Settle your loan early with absolute freedom and zero exit fees. (30-day notice required)

Rapid Deployment: Most lending facilities are approved and processed within 14 days.

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Transparent Lending Parameters

Accepted Collateral: Physical Gold only.

Minimum Loan Amount: USD $50,000.

Maximum Loan-to-Value (LTV): Up to 75% of your gold’s market value.

Interest Rates: Loans under $500,000: 7% p.a., Loans $500,000 and above: 5/6% p.a.

Storage Fees: 0.36% p.a. in our highly secure, fully insured vaulting facilities.

Payment Structure: Interest and storage fees are charged yearly in advance.

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Secure Your Capital in Three Steps

  1. Application & Valuation: Submit your loan request. If your gold is already stored with us, valuation is instant. If transferring from an external vault, we will coordinate secure transit and assaying (transit and assay fees may apply).
  2. Agreement & Advance Payments: Review and sign your tailored loan agreement. Your first year's interest and storage fees are deducted or paid in advance.
  3. Funds Disbursed: Receive your capital via secure wire transfer within 14 to 21 days, depending on the complexity of the vault transfer.
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Strategic Acquisition Financing

For those clients looking to acquire new bullion positions with less upfront capital. We provide the leverage you need to build your reserves while maintaining your liquid cash for other opportunities.

  • Structure: We coordinate the purchase and the simultaneous financing, ensuring a seamless "Delivery vs. Payment" (DVP) process.

  • Staged Build-Up: Ideal for clients looking to scale their holdings through a re-pledge or "rolling" collateral model.
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Direct & Tailored Funding

As a private firm, we act as both a direct lender for streamlined facilities and a specialist arranger for complex, multi-jurisdictional institutional requirements.

We can process loans from $50,000 and institutional-level loans with multiple lenders.

This dual capacity ensures that your loan is placed with the most cost-effective and operationally suitable capital provider.

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Gold Collateral Loans: Frequently Asked Questions

Q: What is a Gold Collateral Loan?

A: A gold collateral loan allows you to access immediate liquidity by using your physical gold holdings as security. This enables you to unlock capital for personal or business use without having to sell your assets and lose out on potential market appreciation or trigger capital gains taxes.

Q: Can I use gold I already own and store elsewhere?

A: Yes. You can transfer your existing gold to our secure vaults to act as collateral. Please note that transit and assay fees (to verify the purity and weight) may apply for external transfers.

Q: What is the maximum Loan-to-Value (LTV)?

A: We offer an LTV of up to 75%. For example, if you have $100,000 worth of gold, you can secure a loan of up to $75,000. Note that the higher the LTV there is higher risk of a margin call.

Q: Do you offer loans against silver, platinum, or palladium?

A: No. At Neville Montagu, we specialize exclusively in physical gold collateral. This specialization allows us to offer more streamlined processing and highly competitive rates for our clients.

Q: Is there a minimum or maximum loan amount?

A: Our minimum loan amount is USD $50,000. We do not have a set maximum; our lending capacity scales with the value of your gold holdings, provided the loan meets our 75% Loan-to-Value (LTV) criteria.

Q: What are your interest rates?

A: Our rates are tiered based on the loan size to reward larger facilities:

  • Loans under USD $500,000: 7% p.a.
  • Loans of USD $500,000 and above: 6% p.a.
  • Loans over USD$2,000,000 5%p.a.

Q: Do I need a credit check or proof of income?

A: No. Our loans are strictly asset-backed. Your gold is your credit. We do not perform credit checks, nor do we require personal income statements or business balance sheets. But we do need to check and confirm your identity.

Q: Why shouldn't I just go to a traditional bank?

A: Banks often have grueling approval processes, require extensive financial disclosure, and rarely understand the true value of physical bullion. Neville Montagu provides a private, fast, and non-intrusive alternative, often funding in a fraction of the time it takes a bank to even review an application. Although for clients who are resident in certain countries such as Switzerland bank Lombard Loans can be an excellent alternative.

Q: Where is my gold stored during the loan?

A: Your gold is held in high-security, fully insured, Tier-1 vaulting facilities. It remains your property, held as collateral, and is never commingled with company assets.

Q: What happens if the price of gold drops significantly?

A: Because this is a collateralized loan, a significant drop in the market price of gold may result in a "Margin Call." In this event, you may be asked to provide additional gold collateral or pay down a portion of the loan to return to the agreed 75% LTV ratio.

Protecting Your Assets: Our Transparent Margin Policy

At Neville Montagu, we believe in absolute clarity. Because our loans are backed strictly by the live market value of your physical gold, significant market fluctuations may require a brief adjustment to maintain the health of your loan facility.

If a drop in the global gold price causes your Loan-to-Value (LTV) ratio to exceed 85% (our standard margin threshold), we will issue a "Margin Notice."

You remain in complete control. You will have a standard cure period (typically 5 to 7 business days) to bring your LTV back down to the agreed 75% baseline. You can do this by choosing one of three simple options:

  1. Deposit additional physical gold into your Neville Montagu vault account.
  2. Make a partial cash repayment against your principal loan balance.
  3. Instruct us to liquidate a small portion of your vaulted gold to cover the difference.

We will proactively monitor your account and communicate with you well in advance of any margin threshold being reached, ensuring you always have time to make the best strategic decision for your portfolio.

A Montagu Group company

Minimum Entry Requirement

To maintain our bespoke service standards, Neville Montagu focuses exclusively on facilities with a minimum loan value of USD $50,000. We specialise in assisting high-net-worth clients who require sophisticated liquidity management.

Important Legal Note

Neville Montagu Group provides financial services to professional, institutional, and high-net-worth clients. This facility is not a consumer credit product.

All lending is subject to verification of the source of the underlying collateral's wealth/funds. We recommend all clients seek independent tax and legal advice prior to entering into a collateralised debt obligation.

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