Most of the buyers of scrap gold or silver will eventually send it to refiners. Coins will be sold at spot price or higher to those wanting to hold for investment.
Silvertowne is a highly respected refiner. I know three buyers who ship their SCRAP to silvertowne. Better jewelry and sterling table ware is first offered for sale in the shops, at a premium.
These shops NEVER send undamaged coins to a refiner.
The buying policy for scrap from the silvertowne web page is pasted below. You will have to contact them about buying policy for bars and coins.
Bekeart
Silver
Silver Content: 80% or higher
Payable: 94 % of silver price
Settlement Time: 10 working days
Incoming Weight Charge: 25 cents per troy ounce
Assay Charge: $65.00
*****
Gold
Gold Content: 40% to 99.99%
Payable: 1-20 pure ounces 98%
20-up pure ounces 98 1/2
Settlement Time: 10 working days
Incoming Weight Charge: 25 cents per troy ounce
Assay Charge: $65.00
Advancement: 80% based on SilverTowne discretion
Silver Towne Numismatics, Coins, Gold & Silver Eagle Dollars