Gold financing solutions
We are a premier capital provider to qualified precious metals companies seeking $5M to $50M in lease or debt financing. We offer two types of financing solutions that resolve two distinct business needs:
- Precious metals leases to finance inventory or work-in-progress
- Gold and silver loans to finance production or business expansion
Lease financing
Our precious metal lease financing gets you the gold and silver you need at a simple, low-cost, annual rate—no hedging required.
Lease financing is off-balance sheet, improving your working capital position and financial metrics. We’ve completed over 55 leases with leading precious metals companies on five different continents. Our investors have gold and silver that’s ready and waiting to go into your lease.
Debt financing
Our precious metals loans are an excellent source of non-dilutive capital to fund your growth. All loans are denominated in ounces of gold or silver, removing the need to hedge your price exposure.
Ideal borrowers include mining companies in production or with plans to produce within 12 months. We fund non-mining companies too. If your company has a gold income, contact us to explore our attractive, non-bank financing solutions for your business.
Get in touch to see which solution is right for your business
Why Monetary Metals
When your capital needs involve gold and silver, financing becomes more complex. To protect your margins, and de-risk your business, you must effectively manage gold’s price volatility.
Besides removing the need to hedge, our financing solutions are scalable, flexible, and reliable.
Flexible—Our flexible deal structures enable you to tailor our financing to meet your specific business goals. Work with the best in the business to build a win-win deal for you.
Scalable—Once you’ve got the deal in place, scale it to match your growth. There are ounces of gold and silver in the vault waiting to go into your deal.
Reliable—Never worry about your funding getting pulled again. As a non-bank financial institution, we’re not susceptible to increasing regulatory pressures or requirements.
See how we stack up against the competition
Multi-line
AgaBullion is a global leader offering precious metals solutions from assaying and logistics to bullion trading, sourcing, refining, and vaulting services.
Annualized rate
4.00%
Term
12 months
Payments
Monthly
Location
Turkey
Bullion Dealer
DD Metals is a market leader in commodity trading, financing, mining and logistics. DD Metals is leasing gold to increase their inventory and trading volumes.
Annualized rate
3.50%
Term
12 months
Payments
Monthly
Location
Dubai
Jeweler
Jawhara is a family owned jewelry business that started in 1907. They are now a registered brand with Emirati jewelry stores in the region.
Annualized rate
3.00%
Term
12 months
Payments
Monthly
Location
Dubai
Jeweler
Kalyan Jewellers India Limited is a publicly listed jewelry retailer in India.
Annualized rate
3.00%
Term
12 months
Payments
Monthly
Location
Dubai
Multi-line
Monetary Metals operates the The Gold Yield Marketplace®, a platform where everyone can save, earn, and finance production in gold.
Annualized rate
6.00%
Term
3 years
Payments
Semi-annually
Location
Delaware
Manufacturer
Valaurum, Inc. was created to make precious metal ownership and investment available to all people.
Annualized rate
2.25%
Term
12 months
Payments
Monthly
Location
Oregon
Bullion Dealer
Money Metals Exchange is a leading precious metals provider based in Idaho. They were named Best Overall Online Gold Dealer by Investopedia.
Annualized rate
2.25%
Term
12 months
Payments
Monthly
Location
Idaho
Multi-line
AgaBullion is a global leader offering precious metals solutions from assaying and logistics to bullion trading, sourcing, refining, and vaulting services.
Annualized rate
4.00%
Term
12 months
Payments
Monthly
Location
Turkey
Mining
Akobo Minerals is a publicly traded mining and exploration company based in Oslo, Norway. This bond is financing the development of the Segele Gold Deposit.
Annualized rate
19.00%
Term
3 years
Payments
Quarterly
Location
Ethiopia
Importer
Monetary Metals leased gold to UK-based Brite Metals. The lease enables Brite Metals to buy gold from Latin American gold miners, and sell it to European refiners.
Annualized rate
4.50%
Term
12 months
Payments
Monthly
Location
United Kingdom
Mining
Bunker Hill Mining Corp. is a publicly traded mining company engaged in the rapid restart of a lead-zinc-silver asset in Idaho’s prized silver valley.
Annualized rate
12.00%
Term
3 years
Payments
Quarterly
Location
Canada
Jeweler
Auvere is a leading NYC based jewelry company that designs and manufactures true 22 and 24 karat gold jewelry.
Annualized rate
2.00%
Term
12 months
Payments
Monthly
Location
New York
Multi-line
The Monetary Metals’ Gold Exponential Fund leased silver for trading purposes.
Annualized rate
0.75%
Term
12 months
Payments
Monthly
Location
Delaware
Jeweler
Monetary Metals leased gold to GoldSilver, to support the growth of its line of fine gold jewelry, Gold Without Borders™.
Annualized rate
2.00%
Term
12 months
Payments
Monthly
Location
New York
Refinery
Istanbul Gold Refinery, IGR DMCC’s parent company, is one of the world’s largest LBMA accredited refineries by capacity.
Annualized rate
3.50%
Term
12 months
Payments
Monthly
Location
Dubai
Jeweler
Kalyan Jewellers India Limited is a publicly listed jewelry retailer in India and is looking to expand into the USA.
Annualized rate
3.00%
Term
12 months
Payments
Monthly
Location
New Jersey
Bullion Dealer
Money Metals Exchange is a leading precious metals provider based in Idaho. They were named Best Overall Online Gold Dealer by Investopedia.
Annualized rate
2.50%
Term
12 months
Payments
Monthly
Location
Idaho
Bullion Dealer
Money Metals Exchange is a leading precious metals provider based in Idaho. They were named Best Overall Online Gold Dealer by Investopedia.
Annualized rate
2.20%
Term
12 months
Payments
Monthly
Location
Idaho
Jeweler
Scottsdale precious metals purchased high-quality vintage and new jewelry for resale online and through other channels.
Annualized rate
2.50%
Term
12 months
Payments
Monthly
Location
Arizona
Jeweler
Scottsdale precious metals purchased high-quality vintage and new jewelry for resale online and through other channels.
Annualized rate
2.50%
Term
12 months
Payments
Monthly
Location
Arizona
Mining
A Western Australia gold-mining company developing an open-pit resource in the Kalgoorlie region.
Annualized rate
13.00%
Term
18 months
Payments
Annually
Location
Australia
Industries
We work with companies across all facets of the precious metals industry. From mines to refiners to bullion dealers and jewelers and everything in between. We have the expertise to build a win-win deal for your business and help drive your growth.
Bullion dealers
With a Monetary Metals solution, you don't have to rely on your supplier's stocking decisions and fulfillment performance. Be your own distributor and operate an inventory supply of your own choice. Products that are “in stock” on your website means your customers don't worry about fulfilment, and you get the sale.
Latest press release:
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Jewelry
The gold tied up in production or distribution channels is significant. Funding and managing this gold inventory is a challenge. By leasing gold from Monetary Metals you obtain a low cost and flexible source of finance that frees you from the costs and complexities of hedging, and improves your working capital position.
Latest press release:
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Manufacturers
Manufacturers need gold for two reasons: as a buffer of raw materials and in the product being manufactured. Financing this gold with equity capital or a bank loan is expensive and onerous. A Monetary Metals' gold lease facility gets you the gold you need for your business, without sacrificing your balance sheet.
Latest press release:
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Mining
As a miner, you know how important capital is to your operation, and how hard it is to access. Monetary Metals offers non-dilutive capital, at fair terms, for qualified producers looking to expand and for advanced projects with plans to produce within 12 months. Get in touch with an originator to discuss your project today.
Latest press release:
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Mints
A Monetary Metals gold financing solution can fund your work-in-progress gold inventories, enabling you to offer pay-on-delivery terms. The low cost and flexible terms can also allow you to do larger production runs, thereby reducing unit costs, all without the need for a complex futures hedging strategy.
Latest press release:
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Misc. Producers
Are you a precious metals business that doesn't neatly fall into one of the industry categories located on this page? We still want to hear from you! We've placed capital with non-traditional companies working with precious metals and would love to start a conversation around how we can help your business grow.
Latest press release:
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Recycling
As a recycler of scrap, you know there's treasure in the trash. But you need a reliable and scalable financing partner to procure the material and get it to the refiner. Our gold-denominated financing helps you secure the material you need from initial procurement all the way to final payment from the refiner.
Latest press release:
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Refining
The pressure on margins is relentless. Refiners often must make a provisional payment on pick up at the mine site. Toll refining becomes unattractive to customers who have their own cash flow issues. We offer low-cost funding with the flexibility to respond to price-driven scrap flows and frees you from headaches of hedging.
Latest press release:
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Vaults
Your business is simple, but not easy. What’s the hardest part? Capital. Building a scalable vaulting business requires large capital outlays. If you’re looking to expand your vaulting and depository operations, Monetary Metals wants to be your capital provider. Why borrow in dollars when you can borrow in gold?
Latest press release:
View Meet the team
Saad Zein
Chief Portfolio Officer
Saad has served in a number of leadership capacities throughout his career in Finance and Investment Banking. He is the founding partner of Aston Peak, a boutique investment banking advisory firm specializing in generating alternative investment opportunities and corporate solutions across borders and industries. Prior to Aston Peak, his specialization was in Cross Asset Structures and solutions, holding the title of Managing Director with that focus at Bank of America Merrill Lynch, Standard Bank, Aladdin Capital Management, and Dresdner Bank. Additional experience includes structured credit, ABS, illiquid or distressed assets, insurance and reinsurance.
Miranda Werstiuk
Head of Origination
Miranda has over 30 years’ experience in finance for the resources sector. She has worked across the spectrum of transaction mechanisms (equity, debt, and alternative financing), with a focus on complex structuring for creative and mutually beneficial solutions. She has relationships with private and public corporate issuers, as well as high net worth individual and institutional investors. Miranda regularly contributes to conferences including PDAC, 121 Mining, Mining Indaba, Mines & Money London, IMARC, and CIM. She is Chair of the Program Advisory Group for planetGOLD, which seeks to eliminate mercury used by artisanal and small gold miners, as well as being a long-standing participant and committee member of WIM Toronto.
Robert Sedgemore
Director of Due Diligence
Robert is a mining executive known for his expertise in project evaluation, technical due diligence, and operational leadership across precious, base, and critical metals. Formerly a Principal Mining Specialist at the IFC and Director of Project Evaluation for private equity, he has over 20 years’ experience and has appraised over 200 projects in 30+ countries. Robert’s strengths lie in de-risking mining investments, transaction structuring, and lifecycle project management, including experience managing multi-billion-dollar capital projects.
Heini Beretta
Senior Originator
Heini focuses on sourcing and originating metals-based financing transactions, as well as securing gold and silver investments from clients seeking yield. Mr. Beretta’s career began in London at Chase Manhattan Bank (now JPMorgan), where he specialized in exotic equity derivatives. He later managed the treasury for CALFP Bank, traded equities for a private hedge fund, and worked on the structured credit desk at Calyon. In 2006, he joined GAM’s multi-manager group in London, where he was involved in a range of trading and arbitrage strategies. Additionally, he served as Trustee of GAM London Limited’s UK Pension Fund. Mr. Beretta resides in Zurich with his wife and holds dual Australian and Swiss citizenship.
