Aureum Lend matches borrowers who own physical gold with lenders seeking pristine collateral. Access liquidity against your 1 oz Sovereigns at 1:1 LTV while your gold remains securely vaulted. Structured as a product payment plan with escrow.
A structured matching and escrow service. Your gold is purchased into escrow, you receive capital via a monthly payment plan, and the gold returns upon full repayment.
We provide courier labels. You ship your 1 oz Sovereigns (or other gold) to our vault. Courier insurance is 1% of the gold value in transit. Authentication and receipt confirm the transaction.
Once your gold is received and verified in our vault, the Pay Plan is activated and funds are disbursed according to the agreed terms.
Make fixed monthly payments under the product payment plan. Your gold remains securely vaulted and untouched for the full term.
Upon full repayment, the gold is released from escrow and returned to you. Ownership is restored in full.
Access capital against the gold you already own — without a traditional sale that may trigger capital gains.
Deploy capital against the highest-quality physical gold collateral — 1 oz Sovereigns held in vault under escrow.
Based on the current Canadian chartered-bank prime rate of 4.45% (as of October 2026). All rates are fixed for the full term of the Pay Plan (not variable). Rates are well below the Criminal Code maximum of 35% APR.
Prime + 5.5%
1:1 LTV on Sovereigns
Prime + 7%
1:1 LTV on Sovereigns
Prime + 9%
1:1 LTV on Sovereigns
Other gold accepted at lower LTV and may carry a higher spread. Only 1 oz Sovereigns qualify for the preferred rates and 1:1 LTV. All Pay Plans subject to definitive agreements.
Estimate monthly payments under the product payment plan. Illustrative only — actual terms depend on underwriting, current spot price, collateral type, and final documentation. * 1/10 oz Sovereigns are also available to custom-tailor your Pay Plan amount.
A clear, fixed-rate path from gold purchase to return. Your rate is locked for the full term.
You purchase 1 oz or 1/10 oz Sovereigns and offer to sell them to a buyer.
A buyer agrees to purchase your gold at full spot value in one transaction.
You immediately begin buying your gold back over time at an agreed fixed rate.
Gold is shipped with insurance (1% of value) to our private address.
Gold is authenticated. The Pay Plan is triggered once confirmed.
Your gold is stored in a Royal Bank of Canada discrete private vault.
You receive an EFT deposit for the full amount of the agreement.
Regular payments are made back to the buyer to buy back your gold.
Once the agreement is completed, your gold is returned to you.
Historically, gold has statistically appreciated by the time it is returned.
After 1 month: written notice. After 60 days: gold is forfeited and liquidated to repay the buyer.
All rates are fixed for the term. Stored in Royal Bank of Canada vaults.
We provide courier shipment labels. You ship your gold to our vault. Courier insurance is 1% of the gold value in transit. Once your gold is received, authenticated, and confirmed in our vault, the Pay Plan is triggered and funds are disbursed according to the agreed product payment plan. Your gold remains in escrow in our vault for the full term. Upon full repayment, the gold is released and returned to you.
We offer 1-year, 2-year, and 5-year Pay Plans:
Rates are fixed for the full term (not variable) and based on the current Canadian chartered-bank prime rate of 4.45%. 1:1 LTV applies to 1 oz and 1/10 oz Sovereigns. Other gold is accepted at lower LTV.
Premium terms (1:1 LTV and preferred fixed rates) are available for pristine 1 oz and 1/10 oz Sovereigns. 1/10 oz coins let you custom-tailor the exact Pay Plan amount. Other gold may be accepted at lower LTV after authentication.
No. Aureum Lend is a private matching and escrow facilitation service. The Pay Plan is structured as a purchase of the gold into escrow with a product payment plan that returns the gold on full repayment. We are not a bank under the Bank Act, not a credit union, and not a federally regulated financial institution. Availability and structure may vary by province.
In the event of default, the gold held in escrow may be liquidated to satisfy the outstanding obligation in accordance with the definitive agreement. Specific remedies, notice periods, and procedures are set out in the transaction documents. Consult independent legal advice.
We recommend purchasing your 1 oz Canadian Maple Leafs or other eligible gold from established Canadian dealers such as Kitco or AU Bullion. Both are well-known for competitive pricing and reliable service across Canada.
Yes. Fees are clearly disclosed:
Gold is stored in RBC bank vaults. All fees are disclosed in the definitive agreement and factored into the cost of the Pay Plan as required under applicable Canadian rules. The calculator is illustrative and does not include fees.
Real experiences from borrowers and lenders across Canada. Last names withheld for privacy.
“I bought 3 oz of Maple Leafs at AU Bullion as a long-term hold. Used the Pay Plan for an urgent car repair. My emergency fund is still intact and growing while I pay it off.”
“Needed liquidity for a home renovation without selling my gold. 1:1 LTV on Sovereigns made it straightforward. Gold stayed vaulted at RBC the whole time.”
“As a lender, the 1 oz Sovereign collateral and escrow structure felt solid. Returns are better than most fixed-income options right now.”
“Used the 2-year Pay Plan to bridge a short-term cash gap for my business. Shipping was simple and insurance was clear. Gold came back on schedule.”
“Didn’t want to trigger capital gains by selling. The Pay Plan let me access funds while keeping ownership of my Maples.”
“Clear process, transparent fees, and the calculator matched the final numbers. Vault confirmation gave me confidence.”
“I keep physical gold as part of my portfolio. Being able to borrow against it without selling was exactly what I needed for a family home project.”
“Lender side: the matching was efficient and the collateral is pristine. RBC vault storage was a plus for me.”
“Used Aureum Lend to unlock liquidity and immediately bought more Maple Leafs. My gold position grew while I still had access to the funds.”
“Straightforward escrow. Once the gold arrived at the vault the funds were released. No surprises on the repayment side.”
“Used an emergency fund to buy the gold, then took a Pay Plan so the fund stayed available. Payments are manageable and the gold is still mine.”
“As someone who prefers physical metal, this was a clean way to unlock value without leaving the market. Process was professional.”
“I bought 3 oz of Maple Leafs at AU Bullion as a long-term hold. Used the Pay Plan for an urgent car repair. My emergency fund is still intact and growing while I pay it off.”
“Needed liquidity for a home renovation without selling my gold. 1:1 LTV on Sovereigns made it straightforward. Gold stayed vaulted at RBC the whole time.”
“As a lender, the 1 oz Sovereign collateral and escrow structure felt solid. Returns are better than most fixed-income options right now.”
“Used the 2-year Pay Plan to bridge a short-term cash gap for my business. Shipping was simple and insurance was clear. Gold came back on schedule.”
“Didn’t want to trigger capital gains by selling. The Pay Plan let me access funds while keeping ownership of my Maples.”
“Clear process, transparent fees, and the calculator matched the final numbers. Vault confirmation gave me confidence.”
Your gold is held in RBC bank vaults under escrow for the life of the Pay Plan.
We supply labels for courier shipment to our vault. Courier insurance is charged at 1% of the gold value in transit.
Every piece is verified for weight, purity, and authenticity. Gold is stored under dual-control with monitoring.
Title is held in escrow. Gold is released only upon full repayment in accordance with the agreement.
We are a personalized bespoke service. Set up a Zoom appointment to speak with a live professional and we will guide your lending experience. All agreements are evaluated personally by financial professionals. Once you are approved, we will set up all paperwork to trigger your Pay Plan.
Or begin your application immediately
Start Pay Plan ApplicationNot an Offer or Commitment. This website, calculator, and any communications are for general informational purposes only. Nothing constitutes an offer to enter into a Pay Plan, a solicitation, or a commitment to provide funds or accept collateral. All Pay Plans are subject to individual review, collateral authentication and valuation, execution of definitive legal agreements, and compliance with applicable laws.
Not a Bank or Regulated Deposit-Taking Institution. Aureum Lend is a private matching and escrow facilitation service. We are not a bank under the Bank Act (Canada), not a credit union, and not a federally regulated financial institution. Funds and gold are not protected by deposit insurance (CDIC or equivalent). The structure is a product payment plan with gold held in escrow, not a traditional bank loan.
Rates and Criminal Interest Rate. Illustrative rates are based on the current Canadian chartered-bank prime rate of 4.45% plus the stated spreads (Prime + 5.5% for 1-year, + 7% for 2-year, + 9% for 5-year). All rates are well below the maximum of 35% APR under section 347 of the Criminal Code. Actual rates, LTV, fees, and terms will be set out in the definitive agreement and may vary. The calculator uses simplified amortizing math and is illustrative only.
Provincial Laws and Licensing. Availability, licensing requirements (if any), Personal Property Security Act (PPSA) registration, consumer protection rules, and other requirements vary by province and territory. Certain activities involving precious metals may be subject to the Proceeds of Crime (Money Laundering) and Terrorist Financing Act. You should obtain independent legal advice regarding the laws applicable in your province of residence before proceeding.
Gold Valuation, Risk, and Default. Pay Plan amounts are based on the spot price of gold at the relevant time. Gold prices fluctuate. In the event of default, the gold held in escrow may be liquidated. Specific rights, notice periods, and procedures are detailed in the transaction documents.
Vault Storage and Security. Gold is stored in Royal Bank of Canada (RBC) bank vaults under dual-control escrow. RBC vaults feature reinforced construction, alarm systems, surveillance, and dual-key access protocols typical of Canadian bank safety deposit facilities. Access is logged. Contents held in bank vaults are not insured by RBC or CDIC; insurance coverage for the gold is defined in the definitive Pay Plan agreement. Aureum Lend is not affiliated with RBC beyond using its vault facilities for storage.
No Tax, Legal, or Investment Advice. This site does not provide tax, legal, financial, or investment advice. Pay Plans involving gold may have tax consequences. Consult your own qualified professional advisors. Past or illustrative examples do not guarantee future results.
Courier and Vault. Courier insurance is 1% of the gold value in transit. Vault holding is subject to the specific escrow and storage terms in the agreement. Insurance details will be provided in the definitive documents.
By using this site you acknowledge that you have read and understand these disclaimers and that any Pay Plan will be governed by definitive agreements and applicable Canadian federal and provincial law. © 2026 Aureum Lend. All rights reserved.