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GOLD-BACKED LOAN FACILITY

ACCESS INSTANT CASH LIQUIDITY WITHOUT SELLING YOUR GOLD

Use your gold as collateral and borrow cash against it at low interest rates — instantly available in-app, for withdrawal to an outside bank account, or on your Troygold Mastercard

Loan facility automatically available at 75% of gold holdings value

Interest-only monthly repayments at 1.65% / month rate

Withdraw loaned funds to outside bank accounts anytime, or use your Mastercard

MAINTAIN YOUR GOLD OWNERSHIP

MAINTAIN THE BENEFITS OF GOLD OWNERSHIP & ENJOY THE FLEXIBILITY OF ACCESSING 75% OF ITS MONETARY VALUE

Maintaining your gold ownership allows you to enjoy exposure to gold price increases, as it raises the value of your gold holdings. However, whilst the gold in physical format protects you from financial system risks, it prevents quick access to the cash value of that gold when you need it. A Troygold loan facility provides access to cheap credit, available anytime, at 75% of your gold holdings value, without needing to sell your gold.

1.65% PER MONTH INTEREST RATE

THE CHEAPEST INTEREST RATES ON GOLD-BACKED BORROWING, PERIOD.

Historically, gold and Krugerrand owners could take their gold coins to commercial bank branches for storage as well as loans. In the 2000’s, in South Africa, banks started exiting this business due to security concerns, which meant that gold owners were relegated to loan sharks and pawn shops for cash liquidity on their gold – at exorbitant interest rates! Today, Troygold is stepping in where the banks left, offering a professional loan facility offering, at the market’s lowest interest rates (1.65% a month)

INTEREST-ONLY LOAN FACILITY

INTEREST-ONLY MONTHLY REPAYMENTS — COMBINING FINANCIAL FREEDOM WITH FLEXIBILITY

Accessing liquidity against physical gold always meant taking out a standard loan with capital and interest repayment every month, with a repayment term of 3, 6, or 12 months. This limited the opportunities to use credit backed by your gold for personal financial engineering or expenses, due to short repayment terms. With Troygold’s interest only monthly repayments, you can use borrowed funds for longer term use cases, whilst only having to repay the interest portion each month.

AVAILABLE FACILITY INCREASES AS GOLD PRICE RISES

HAVE MORE TO SPEND, AS THE GOLD PRICE RISES

The Rand value in your currency account represents the combination of your loan facility and proceeds from gold sales. Both are these are dependent on the Rand equivalent of your gold holdings in the vault. A rising gold price means more facility value, and more spending power!

HOW DO I GET STARTED?

OPEN A PHYSICAL GOLD ACCOUNT IN MINUTES

1. DOWNLOAD THE APP

Download the app on Apple or Android stores and register an account in-app

2. UPLOAD YOUR GOLD

Tap upload in-app tand deliver your gold coins held at home into your Troygold account – collectibles, medallions, krugerrands – choose your closes upload store location.

3. ACTIVATE LOAN FACILITY

Activate your gold-backed loan facility in-app for access to cash funds worth 75% of your uploaded gold value (fine ounces x gold price).

4. SPEND OR WITHDRAW

Activate your Troygold Mastercard and start spending instantly, or withdraw loan facility funds to an outside bank account via EFT.

WANT TO KNOW MORE?