The process was straightforward and the team was knowledgeable at every step. I appreciated how transparent they were about the terms.
CFC Eligibility Check
Step 1 of 8
CFC Gold Loans
Commercial Loans Backed by Eligible Precious Metals
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.
Established 2005
$300M+ Loans to Date
Gold.com Subsidiary
No Credit Check
Understanding Your Options
Many owners know they can sell gold or silver. Fewer realize they may be able to borrow against it.
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.
Selling Your Assets
- Liquidate the asset
- Give up ownership
- May not fit long-term asset belief
- No collateral returned
Borrowing with CFC
- Use eligible pledged collateral
- Retain ownership, subject to loan terms
- Access business-purpose liquidity
- Collateral returned after payoff, subject to terms
Who This Is For
This may be a fit if you're seeking:
A commercial loan of $25,000+
CFC's minimum loan amount is $25,000.
Liquidity without selling
Use eligible pledged collateral while retaining ownership, subject to loan terms.
Financing backed by hard assets
Eligible collateral may include bullion, rare coins, and paper currency.
A business-purpose use of funds
CFC loans are for commercial, business, or investment purposes only.
A professional lending process
CFC is built for serious hard-asset owners, collectors, investors, and dealers.
The Process
A straightforward path from eligibility check to application
CFC's process is designed for qualified borrowers who want a professional way to access capital using eligible hard assets as collateral.
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Check eligibility
Answer a few questions about your loan request, collateral type, intended use, and residency.
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Continue to CFC's application portal
If your answers appear aligned with CFC's basic criteria, you'll be directed to the official CFC application.
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Submit collateral details
CFC reviews your application, collateral information, title, and supporting details.
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Ship approved collateral
Approved collateral is shipped through CFC's secure process, with insurance options subject to terms and deductible.
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Collateral is authenticated and stored
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.
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Funds are wired after approval
If approved, CFC provides final terms and funds are wired after requirements are satisfied.
Eligible Collateral
Eligible collateral may include bullion and numismatic assets
CFC specializes in commercial loans secured by eligible physical precious metals and collectible assets.
Gold Bullion
Eligible gold bullion may be used as collateral, subject to valuation, underwriting, and title review.
Silver Bullion
Eligible silver bullion may be used as collateral for qualified commercial borrowers.
Platinum & Palladium
Certain eligible platinum and palladium holdings may be reviewed as collateral.
Numismatics
Eligible numismatic collateral may include collectible coins, currency, and graded assets. Valuation is based on numismatic market value, not spot price alone.
Paper Currency
Certain collectible paper currency may be eligible for review.
Not eligible: CFC does not currently lend against jewelry, diamonds, gemstones, or stones.
Loan Potential
Access capital based on qualifying collateral value
CFC evaluates loan requests based on the type, value, marketability, and eligibility of pledged collateral.
Bullion
Up to 75%
Loans may be available up to 75% of qualifying spot value for eligible precious metals.
Numismatics
Up to 65%
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
Built inside one of the leading precious metals ecosystems
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
Gold.com Subsidiary
CFC is part of Gold.com, a public-company precious metals platform with deep industry infrastructure.
JM Bullion Ecosystem
CFC works within the same broader ecosystem as JM Bullion, one of the most recognized names in retail bullion.
Professional Storage
Approved collateral is stored through professional depository partners, including Loomis and Brinks.
Insurance-Backed Handling
Collateral handling and storage are supported by insurance arrangements, subject to applicable policy terms.
What CFC customers say
Reviews via
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
Low fixed rates. No credit check. No origination or pre-payment fees.
CFC offers commercial loans with low fixed rates and no credit check. Qualified borrowers can repay early without pre-payment fees.
- Low fixed rates
- No credit check
- No origination fees
- No pre-payment fees
- Interest-only structure
- Storage charges apply to the full value of pledged collateral
Ready to check whether your collateral may qualify?
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
See if your collateral may qualify
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
Questions before checking eligibility?
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
Check whether your collateral may qualify
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.