Gold Coins vs. Gold Bars as Loan Collateral: What Lenders Actually Credit
Melt Value vs. Premium: The Only Distinction That Matters to a Lender A lender evaluating gold collateral cares about one number: what the metal will sell for, quickly, if
Richard is the Chief Underwriter at Borro by Luxury Asset Capital and is a Graduate Gemologist, certified by the Gemological Institute of America (GIA).
Borro was founded to give owners of fine art, jewelry, watches, and other valuable assets a faster, more discreet path to liquidity than a traditional bank loan or an outright sale. Since 2008, the company has funded loans against a wide range of luxury collateral for clients who need capital quickly without giving up ownership.
Every loan is secured directly against the asset itself, which means no credit checks, no income verification, and no impact on personal credit history. Clients retain ownership throughout the loan term and can reclaim their asset in full upon repayment.
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Melt Value vs. Premium: The Only Distinction That Matters to a Lender A lender evaluating gold collateral cares about one number: what the metal will sell for, quickly, if
How Lenders Calculate Your Loan Amount A lender starts with appraised market value, the price a watch would realistically fetch in today’s resale market, not what you paid at
Why Richard Mille Resale Value Isn’t About Brand Recognition Richard Mille resale value on the secondary market is determined by reference number, production volume, complication, and provenance, not by