Sector Focus: Loans, Grants & Precious Metals
Capital Backed by Gold. Growth Backed by Purpose.
Unlock liquidity against vaulted gold, silver and platinum, access structured loans for business and personal goals, and apply for targeted grant programs, all from one platform.
Loan-to-Value
Up to 75%
Loan Terms
3 – 60 mo
Metals Accepted
Au · Ag · Pt
Custody
Fully Insured
What We Offer
Three ways to put capital to work
Metal-Backed Loans
Borrow against your vaulted gold, silver or platinum without selling it. Keep your exposure to the metal while you use the cash.
- checkSame-day valuation at spot price
- checkNo credit score required
- checkMetal returned in full on repayment
Business & Personal Loans
Structured financing for SMEs, projects and individuals, with repayment schedules built around your cash flow.
- checkWorking capital & expansion
- checkFlexible monthly repayments
- checkDedicated relationship manager
Grant Programs
Non-repayable funding for entrepreneurs, community initiatives and education, awarded on merit and impact.
- checkSmall business & startup grants
- checkCommunity & education funding
- checkTransparent review process
Purity Standard
999.9 Fine Gold
Inflation Protection
Vaulted physical gold at your fingertips
Buy and hold allocated gold, silver and platinum in bank-grade vaults. Each holding is insured, audited and recorded in your name, and you can use it as collateral for a loan whenever you need liquidity.
Segregated Storage
Your metal is never pooled or lent out.
Full Insurance
Covered against loss, theft and damage.
Independent Audits
Holdings reconciled by third parties.
Easy Transfer
Sell, transfer or redeem any time.
Why pair lending with precious metals?
Gold and other precious metals have held their value for centuries, through inflation, currency crises and market cycles. When a loan is secured by physical metal, both sides carry less risk, so you get better rates and faster approval.
WhiteBird LTD puts capital behind tangible collateral and strong underwriting. Proceeds from our metals and lending book also fund our grant programs, which reinvest in the businesses and communities we serve.
Structured Capital & Impact Advantage
We combine metal-backed credit facilities, blended-finance structures and multi-tranche grant programs. The result is steady income with disciplined risk management that holds up across market cycles.
AUM in Loans, Grants & Metals
$2.4B
Deployed across 14 priority funding corridors.
Sub-Sector Allocation
How It Works
Start in three simple steps
01
Create & Verify
Open your WhiteBird account and complete KYC verification in minutes.
02
Choose Your Product
Buy vaulted metals, pledge existing holdings for a loan, or submit a grant application.
03
Receive Funds
Once approved, funds go to your wallet. Track repayments and holdings from your dashboard.
Ready to unlock the value of your metals?
Talk to our lending team about loans, grants or vaulted precious metals tailored to your goals.