I have a good connection on high quality refractory for cheap. If you're making an electric furnace, you would very much want to have a good hot face, but very little of it, but a lot of insulating material. Kaowool or a lightweight kiln brick are the best ways to go. If you go with kiln brick, you can avoid a hotface (unless you want to melt platinum and palladium, both those both require molybdenum disilicide heating elements, which are costly, but will give you 1800C). For gold, silver, and copper inquartation, I suggest Kanthal nichrome heating elements which are good to about 1200C. Buy directly from them, or off ebay, they're the same if they're new.
I've built a few furnaces, some propane or waste-oil fired (these are for casting mainly), and others that are resistance heated (tube furnaces, and box furnace by Thermolyne). You'll find that building your own is easy, and CHEAP when compared to buying new or even used furnaces.
I've never built a resistance furnace before, but I've rebuilt/retrofitted older ones. All you need to build your own are the heating elements (1500W would be more than sufficient for what you're doing), a way to thermostat it (so a thermocouple of some sort, preferably a type S as they last the longest), refractory brick, a variac for controlling power delivery, and general electronics knowledge.
I post at www.backyardmetalcasting.com forums under the same username, and indeed, there are many good ideas to be had. If you'd like, I can ask some other members there who have built their own versions of the ''Lil' Bertha'' or Gingery based electric furnaces.