Gold Collection Unlocks Fast £150k Loan for Advertising Business Owner

20 November 2025

A marketing business owner who needed immediate funding for an injection of working capital and to make a tax payment was looking for a short term loan of £150,000. Due to time constraints, it was important to find a fast solution to the funding issue.

Unwilling to provide normal property bricks and mortar to stand as security and working with his financial adviser, the client originally thought about selling his gold bullion and Krugerrand coin collection to raise the money needed, but was put off because of the large CGT bill which would have come as a consequence of an outright sale. However, having approached Suros Capital who were happy to accept his gold as security for the loan required, he decided that retaining ownership of an appreciating asset like gold would be a better solution to his funding challenge.

The loan was completed on the day that the gold collection was assessed, valued and taken into the temporary custody of Suros Capital. The loan term was for four months with the exit strategy based on business cashflow being expected to significantly improve by February 2026.

According to Ray Palmer, Director of Suros Capital, assets like gold are proving to have a greater value to owners than just the increase in value. He said, “ The gold price is now up c. 50% year on year and likely, according to Morgan Stanley, to reach £3,430 per ounce by mid 2026. In this case, our client has owned his gold bullion and Krugerrand coin collection for ten years, when it was valued at £46,000. Today, that same collection is worth £200,000, making it equally valuable to owners as security for a Suros Capital loan.”

Ray added, “Suros Capital provides an increasingly valuable borrowing resource for those clients who are asset rich and who do not want to sell in order to meet their pressing need for finance. More and more financial advisers are recognising the value of having an alternative source of short term finance for clients with luxury assets.”