The process was straightforward and the team was knowledgeable at every step. I appreciated how transparent they were about the terms.
CFC Gold Loans
Access business-purpose liquidity using eligible bullion or numismatic collateral, without selling the assets you still want to own.
Loans from $25,000. Low fixed rates. No credit check. Commercial and business-purpose loans only.
Answer a few questions to see if your request appears aligned with CFC's basic lending criteria.
Understanding Your Options
CFC gives qualified hard-asset owners another path: commercial financing secured by eligible physical precious metals or numismatic assets.
Instead of liquidating assets you still want to own, you may be able to use eligible collateral to access business-purpose capital, then repay the loan and have your collateral returned without having to sell them.
Who This Is For
CFC's minimum loan amount is $25,000.
Use eligible pledged collateral while retaining ownership, subject to loan terms.
Eligible collateral may include bullion, rare coins, and paper currency.
CFC loans are for commercial, business, or investment purposes only.
CFC is built for serious hard-asset owners, collectors, investors, and dealers.
The Process
CFC's process is designed for qualified borrowers who want a professional way to access capital using eligible hard assets as collateral.
Answer a few questions about your loan request, collateral type, intended use, and residency.
If your answers appear aligned with CFC's basic criteria, you'll be directed to the official CFC application.
CFC reviews your application, collateral information, title, and supporting details.
Approved collateral is shipped through CFC's secure process, with insurance options subject to terms and deductible.
Upon receipt, collateral is professionally authenticated and verified before being placed into secure storage through CFC's depository partners for the duration of the loan term.
If approved, CFC provides final terms and funds are wired after requirements are satisfied.
Eligible Collateral
CFC specializes in commercial loans secured by eligible physical precious metals and collectible assets.
Eligible gold bullion may be used as collateral, subject to valuation, underwriting, and title review.
Eligible silver bullion may be used as collateral for qualified commercial borrowers.
Certain eligible platinum and palladium holdings may be reviewed as collateral.
Eligible numismatic collateral may include collectible coins, currency, and graded assets. Valuation is based on numismatic market value, not spot price alone.
Certain collectible paper currency may be eligible for review.
Loan Potential
CFC evaluates loan requests based on the type, value, marketability, and eligibility of pledged collateral.
Loans may be available up to 75% of qualifying spot value for eligible precious metals.
Loans may be available up to 65% of estimated market value for eligible coins and paper currency.
Actual loan amount is subject to underwriting, appraisal, title review, collateral eligibility, market conditions, jurisdiction restrictions, and approval contingencies.
Established Credibility
CFC is a California licensed finance lender established in 2005 and a wholly owned subsidiary of Gold.com, Inc. CFC has provided more than $300M in loans to date and works within the broader Gold.com precious metals ecosystem, including JM Bullion.
Trusted ecosystem
CFC is part of Gold.com, a public-company precious metals platform with deep industry infrastructure.
CFC works within the same broader ecosystem as JM Bullion, one of the most recognized names in retail bullion.
Approved collateral is stored through professional depository partners, including Loomis and Brinks.
Collateral handling and storage are supported by insurance arrangements, subject to applicable policy terms.
The process was straightforward and the team was knowledgeable at every step. I appreciated how transparent they were about the terms.
Very professional. CFC handled the entire process with care, and I always knew where things stood. Would work with them again without hesitation.
I had a specific commercial need and CFC was one of the few lenders that actually understood my situation. Quick, secure, and no surprises.
Loan Terms
CFC offers commercial loans with low fixed rates and no credit check. Qualified borrowers can repay early without pre-payment fees.
Final interest rate and loan terms are determined after application review. The eligibility check takes only a few minutes.
Final interest rate and loan terms are determined after application review. Storage charges apply to the full value of pledged collateral.
Eligibility Check
Answer a few questions to check whether your request appears to meet CFC's minimum eligibility requirements.
This check is fast, secure, and designed to help qualified borrowers determine whether it makes sense to continue to CFC's official application portal.
This eligibility check is not a loan approval or an offer to make a loan. Final loan terms are subject to written application, verification, underwriting, appraisal, title review, jurisdiction restrictions, and approval contingencies.
Common Questions
Established in 2005, CFC is a California licensed finance lender offering commercial loans secured primarily by bullion, numismatic coins, and trading cards. It operates as a subsidiary of Gold.com, Inc.
Applications are submitted through CFC's online portal. The Operations Team is available at (800) 232-5767 to provide assistance.
Yes. The Operations Team can be reached via [email protected] and by phone for application help and loan inquiries.
No. CFC functions as a lender and does not offer any advice related to purchasing, holding, or selling precious metals.
Yes. CFC has a minimum loan size of $25,000, requiring approximately $35,000 in collateral based on typical loan-to-value ratios.
CFC accepts bullion in the form of gold, silver, platinum, and palladium, as well as numismatic assets including coins and paper currency.
CFC typically lends up to 75% of the current spot price for eligible precious metals, and up to 65% LTV for eligible coins and currency.
The typical time from submission of an application to receipt of funds is ten or fewer business days.
CFC references spot prices provided by corporate parent Gold.com, Inc. to determine bullion value.
No. While CFC recognizes PCGS and NGC ratings, CFC employs a full-time numismatist on staff to independently value coins.
CFC's in-house numismatist references a variety of sources including leading third-party rating agencies, auction prices, and independent expert opinion.
Borrowers must provide contact information, liquid assets and net worth estimates, a government-issued ID, and disclosure related to any liens, judgments, or pending litigation.
Yes. Borrowers must be citizens or legal residents of either the United States or Canada.
Yes. A borrower is required to represent that the loan's proceeds will be used for commercial or investment purposes.
No. Prior bankruptcies or a less than optimal credit record do not directly impact loan decisions. CFC's process is primarily collateral-based.
Yes. CFC performs UCC searches to ensure that there are no existing claims on the proposed collateral.
CFC loans are for 180 days. Borrowers typically receive renewal opportunities before maturity.
No. Loans do not have origination, pre-payment, or any other fees, with the exception of a storage charge.
Rates depend on trends with key reference points such as key index rates, loan size relative to collateral value, collateral complexity, and the borrower's payment history.
Interest is calculated daily based on a 360-day calendar year and billed monthly.
Payments are accepted via ACH, check, credit card, or bank wire. Loan statements are sent by email and are also accessible on the online platform.
Yes. CFC will, on a case by case basis, consider requests to extend additional capital based upon current market conditions.
Yes. A decline in collateral value based upon current market prices can result in a margin call to maintain acceptable loan-to-value ratios.
Yes. A loan can be paid off at any time without incurring any fees, via wire, check, or collateral sale.
Yes. Borrowers may request partial release by providing substitute precious metal of equivalent value, or by monetizing increased collateral value.
CFC provides access to a global network of secure and fully insured depositories, including facilities in Dallas, Las Vegas, New York, Canada, Switzerland, and Singapore.
CFC provides borrowers with a range of shipping options via the United States Postal Service and UPS, with insurance coverage available for approved shipments.
CFC ships collateral back via USPS, UPS, or FedEx. The borrower covers return shipping costs and CFC provides insurance coverage for the return shipment.
Yes. CFC has a long-standing relationship with Stack's Bowers Galleries and other leading numismatic auction houses, offering financing up to 70% of purchase price.
Yes. CFC offers dealers competitive financing on their inventories to provide needed liquidity, the ability to swap collateral quickly, and the opportunity to offer their retail customers third-party financing.
Take the Next Step
If you are seeking a commercial-purpose loan of $25,000 or more and own eligible bullion or numismatic assets, answer a few questions to see whether your request appears aligned with CFC's basic criteria.
Commercial and business-purpose loans only. Subject to underwriting and approval.