Gold-backed lending
How much buffer does your gold loan need?
Spot fell from $5,595 in late January to about $4,040 in early November. That's a 28% slide. Borrow at the cap and a slide like that wipes you out. Pick your loan size and see where the margin call lands.
Gold pledged (oz)
Spot at origination
Loan-to-value at start
Margin call at LTV
Liquidation at LTV
Interest APR
Months held
Replay a price move
Gold price move
Loan today
Margin call at spot
Drop to call
Spot after move
LTV after move
Top-up to reset
Illustrative model, not an offer. Margin call and liquidation levels are assumptions you can change, not RealWorld terms. Interest accrues simple and adds to the balance. Price reference: Kitco, Nov 6 2026 ($4,042.60); January peak per a June 2026 market report.