The Neville Montagu Precious Metals Liquidity Facility allows sophisticated investors and businesses to unlock capital from their existing gold and silver holdings without liquidating long-term strategic assets. This service is designed for high-net-worth individuals, family offices, trusts, and international clients seeking flexible, asset-backed liquidity while maintaining full ownership of their precious metals.
Access liquidity without selling your gold or silver. Our Commercial Precious Metals Backed Loan service allows you to borrow against your existing bullion holdings, or buy bullion and immediately release capital, as well as leverage up to 2.5 times your capital into bullion. giving businesses and professionals cash flow flexibility, while preserving your long-term investment strategy. Available exclusively to Professional, High-Net-Worth and Corporate Clients
Not available to UK retail consumers.
Lenders are willing to lend funds, while Neville Montagu acts as custodian and platform operator and will handle all the details between the borrower and the lender.
Through our partners, we offer secured loans from £100,000 to businesses and professionals across the globe. With loan-to-value ratios of up to 75% for Investment Grade Gold and up to 65% against silver.
Your metals are authenticated, securely stored with a leading vault in either London or Zurich, and fully insured throughout the loan term, ensuring peace of mind while you access the capital you need.
(For US-based and Asian based clients, local vaults can be secured to reduce fees.)
This solution is ideal for professional high-net-worth individuals, expatriates, business owners, and sophisticated investors who require short or medium-term liquidity for opportunities such as property purchases, consolidating existing debts, managing cash flow, or expanding business operations without needing to sell assets in a bullish or volatile market.
The leverage facility is available to professionals or businesses that can demonstrate a high net worth and an understanding of the risks associated with margin and leverage.
The application process is straightforward and confidential. Once your bullion is received and verified in our approved vaulting facility, funds can typically be released within a short timeframe. No credit checks are required; decisions are based solely on the value and eligibility of your metals.
Standard Know Your Client anti-money laundering checks are required to prove your identity, etc.
As with any secured borrowing, risks apply. Falling metal prices may result in a margin call, and failure to maintain collateral value could lead to forced liquidation. We therefore encourage all clients to seek professional independent advice before proceeding.
To explore whether a Precious Metals–Backed Loan is suitable for you, contact our advisory team for a confidential consultation.
The Neville Montagu Precious Metals Liquidity Facility provides sophisticated investors with the ability to unlock capital from their existing bullion holdings while maintaining long-term exposure to precious metals.
This service is designed for international high-net-worth individuals, professional investors, family offices, trusts, and corporations seeking flexible, asset-backed financing solutions.
Unlike selling your metals, which may crystallise tax obligations or compromise long-term strategy, our facility enables you to access short- or medium-term liquidity while your bullion remains securely stored, fully allocated, and professionally insured.
This facility is available to clients in most jurisdictions, subject to local laws and international compliance checks.
Minimum loan: £100,000
Maximum Loan-to-Value (LTV): 75% of bullion value (65% Silver)
Investment-grade gold or silver (coins or bars)
Must be transferred to our vault for verification and storage
You retain ownership, but the metals are immobilised during the loan
Rates are fixed at the time of your agreement. Additional fees may apply for vaulting, authentication, or arrangement.
If metal prices fall, you may receive a margin call requiring additional collateral or partial repayment.
Failure to meet margin calls or repay the loan may result in the sale of your metals.
You may receive less from a forced sale if markets are volatile.
Repay the loan in full by the agreed maturity date. Once repaid, your metals are released from lien and may be withdrawn or stored.
Available exclusively to Professional, High-Net-Worth and Corporate Clients Not available to UK retail consumers.
Neville Montagu offers a specialised liquidity facility for clients who wish to unlock capital from their existing gold and silver holdings while retaining long-term ownership potential. This service is designed for experienced investors, family offices, trusts, and corporations seeking flexible, asset-backed liquidity solutions.
We do not provide consumer loans, retail credit, or regulated lending. This facility is offered strictly on a private, wholesale basis and only to clients who qualify as Professional Investors or High-Net-Worth Entities under applicable local regulations.
Rates are fixed at the time of your agreement. Additional fees may apply for vaulting, authentication, or arrangement, all disclosed up front.
| Feature | Precious Metals–Backed Loan | Leveraged Gold Bullion Portfolio |
|---|---|---|
| Minimum Loan | £100,000 (Max Loan: $10m) | 2.5 times Investment. For example, £100,000 net can be leveraged to a Gross portfolio of £350,000 |
| Credit Check Required | No, but AML checks are required. | No, But AML checks are required. |
| Maximum LTV | 75% | 2.5 times |
| Approval Speed | Fast, asset-backed | Normally 1 week. |
| Collateral | Gold/Silver | LBMA Bullion |
| Regulation | Unregulated product. For Businesses and professionals only. | Unregulated product, sophisticated investors and companies only. |
| Privacy | High | High |
| Use of Funds | Any legal purpose | Purchase of Bullion only |
Fees 2025.
| Admin fees | 0.5% Per annum. (0.042 per month) | 0.5% Per annum. (0.042 per month) |
| Setup fee | 2% (Payable on drawdown) | 2% Payable on (Drawdown) |
| Loan terms | Minimum term 3 Months. Maximum term 5 years. | Minimum term 1 year, Maximum term 5 years) |
Interest Rates
| Annual Percentage rate. | 4.2% | 5% |
The value of gold and silver may go down as well as up.
If you fail to meet a margin call, your bullion may be sold without further notice.
This product is not regulated by the Financial Conduct Authority (FCA) in the UK or by any regulator internationally.
Borrowing against precious metals may not be suitable for all investors.
Please seek independent financial and tax advice before proceeding.
This service is designed for experienced investors, family offices, trusts, and corporations seeking flexible, asset-backed liquidity solutions.
We do not offer consumer loans, retail credit, or regulated lending services. This facility is offered strictly on a private, wholesale basis and only to clients who qualify as Professional Investors or High-Net-Worth Entities under applicable regulations.
Available exclusively to Professional, High-Net-Worth and Corporate Clients
Not available to UK retail consumers.
Neville Montagu offers a specialised liquidity facility for clients who wish to unlock capital from their existing gold and silver holdings while retaining long-term ownership potential. This service is designed for experienced investors, family offices, trusts, and corporations seeking flexible, asset-backed liquidity solutions.
We do not provide consumer loans, retail credit, or regulated lending. This facility is offered strictly on a private, wholesale basis and only to clients who qualify as Professional Investors or High-Net-Worth Entities under applicable regulations.
This facility is only available to clients who meet the definitions of:
Professional Investors
High-Net-Worth Individuals
Family Offices
Trusts and Trustees
Corporations and Commercial Entities
Non-UK residents meeting equivalent classification standards
If you do not meet one of these classifications, we cannot provide this product.
We do not offer precious-metal-backed loans to:
UK retail consumers
Individuals seeking personal credit
Anyone requiring consumer-credit protections
Borrowers using bullion not held in approved vaults
Individuals seeking “no-check” or “instant” credit
Our liquidity service enables qualified clients to obtain financing secured against allocated gold and silver bullion that meets our eligibility standards. Clients use this facility to:
Access short- or medium-term liquidity
Manage cash flow while maintaining long-term precious-metal exposure
Finance investment opportunities
Enhance portfolio flexibility without liquidating strategic holdings
This is a secured lending arrangement with bullion held as collateral in approved vaults. Collateral remains fully allocated, insured, and certified throughout the facility term.
To maintain strong collateral protection and meet international risk standards:
Gold-backed facility: up to 75% LTV
Silver-backed facility: up to 65% LTV
LTV ratios are calculated using independently referenced spot pricing and are reviewed periodically during the facility term.
Eligible collateral includes:
LBMA-approved gold bars (allocated)
LBMA-approved silver bars (allocated)
Approved investment-grade coins
All bullion must be authenticated and held in a recognised vaulting facility that meets our security and insurance requirements.
Bullion held outside our approved network may require transfer, re-authentication or assay testing before the facility can be approved.
This facility is not a regulated consumer-credit product under UK law.
Neville Montagu does not provide consumer loans or retail financial products.
This service is offered strictly to qualified Professional or High-Net-Worth clients on a private basis.
Applicants must confirm their classification before any terms can be provided.
Clients should seek independent financial, legal, and tax advice before entering into any secured-financing arrangement.
A full legal agreement, risk disclosure, and collateral schedule will be provided to eligible clients.
Global change, personal solutions. Your financial freedom. Your future is secured.
This content is for background information only. It is not investment advice, a recommendation, or an offer of services. While based on sources Neville Montagu believes to be reliable, it is provided without warranty of accuracy. Unauthorised use is strictly prohibited. Neville Montagu and any of its partners accept no liability for any loss arising from the use of this information.
Neville Montagu is an appointed representative of Neba Wealth Management (NEBA), Head Office: 15-3 Menara 1MK 50480, Kuala Lumpur, Malaysia. www.nebawealth.com
‘NEBA ’ refers to the Neba Wealth Management Group’s separate but affiliated entities generally, rather than to one particular entity. These entities are NEBA Private Clients, which is licensed to operate in multiple regions. NEBA Private Clients Pte Ltd is licensed by the Monetary Authority of Singapore (MAS); NEBA Insurance Brokerage is registered with the Central Bank of the UAE (CBUAE); NEBA Private Clients Financial Advisors LLC is licensed by the Securities and Commodities Authority (SCA) UAE; NEBA Private Clients Ltd is registered with the Labuan Financial Services Authority (LFSA) in Malaysia; NEBA Private Clients (PTY) Ltd, authorised by the Financial Sector Conduct Authority (FSCA) in South Africa. NEBA Private Clients UK is licensed by the Financial Conduct Authority (FCA)
If you are a client outside the United Kingdom, please note that our services are not covered by the UK’s regulatory framework. This means that protections from the Financial Conduct Authority (FCA) and the UK Financial Ombudsman Service will not apply. Instead, your relationship with us will be governed by the laws and dispute resolution processes of the jurisdiction where you receive our services, which will differ from those in the UK.
The investment return and the principal value are subject to market fluctuations. Consequently, an investment, upon redemption, may be worth less than the initial amount invested. Past performance is not indicative of future returns, and we cannot guarantee the success of any investment strategy.
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