FOR BUSINESSES

Finance Your Inventory.

Keep Your Capital.

Finance your gold inventory in gold, not dollars.

Theo builds financial products that
make real-world assets tradable,
liquid, and globally accessible.

Explore Financing

DENOMINATED IN

Gold

FACILITY SIZE

Flexible

TIME TO INITIAL TERMS

1-2 Days

Why finance in gold

Why Finance in Gold, Not Dollars?

Why Finance in Gold, Not Dollars?

Your facility is denominated in ounces, so inventory is matched by a gold liability:

no hedging, no margin calls, no top-ups when the price runs, and your working capital stays free.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

THE PROBLEM

Gold has roughly doubled in two years.
The same shelf of inventory now ties up
twice the capital.

GOLD PRICE

TYPICAL BANK FACILITY

Indicative, public market data, 2024 to 2026

SIDE BY SIDE

Theo vs. Traditional Banking

Theo

THEO

TRADITIONAL BANKING

Denominated in

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Gold (ounces)

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Dollars

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Hedging required

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

None

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Usually

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Margin calls

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

None

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Possible

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Top-ups if price rises

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

None

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Common

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Facility size

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Flexible

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Fixed line

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Time to initial terms

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Days

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Months

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

BUILT FOR

Who Finances with Theo?

Who Finances with Theo?

If your business holds gold as
inventory or work-in-progress,
Theo can finance it.

Book a Call

Book a Call

Jewelers

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Retailers

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Wholesalers

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Bullion dealers

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Manufacturers

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

Refiners

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

How It Works

Three Step Process

Three Step Process

A quick review of your business and gold needs,

physical ounces delivered through an agreed process, then into inventory or production.

Pay your fee in gold, roll over or return.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars,
so inventory stays hedged and
capacity sits alongside your existing bank lines.

Theo leases physical gold to
established retailers, dealers, and jewelers.
You owe ounces, not dollars, so inventory stays hedged and
capacity sits alongside your existing bank lines.

01

Qualify

02

Take delivery

03

Put it to Work

01

Connecting Capital

02

Access for All

03

Safety First

GET IN TOUCH

Put Your Gold to Work

Put Your Gold to Work

Book a Call

Launch app