A marketing entrepreneur has secured a four-month £150,000 loan against his gold collection after seeking a rapid source of working capital.

A business owner turned to Suros Capital after needing immediate funds both for working capital and to make a tax payment, but did not want to use property as security for short term borrowing.

Working with his financial adviser, he had initially considered selling his gold bullion and Krugerrand coin collection, before being deterred by the capital gains tax bill that would have followed.

Suros Capital agreed to take the gold as security, allowing the client to retain ownership of what he regarded as an appreciating asset. The lender assessed and valued the collection, completing the loan on the same day it took temporary custody of it. The four-month facility is due to be repaid through business cashflow, which is expected to improve significantly by February 2026.

Ray Palmer, director of Suros Capital, 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.”

He added: “In this case, our client has owned his gold bullion and Krugerrand coin collection for 10 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.”

Palmer said the case illustrated the growing appeal of using luxury assets as a way of accessing short term finance without selling them. “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.”