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 to secure your loan 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 proof of 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, subject to valuation, underwriting, and title review.
Eligible platinum and palladium may be used as collateral, subject to valuation, underwriting, and title review.
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.
Great experience. My rep Hairi was great. Didn't love the USPS registered mail shipping experience. But CFC was great!! Everything went exactly according to plan. No surprises. I will def do future business and refer.
I'm on my second loan with CFC. Smooth transaction and customer service is great. Very fast process and as a business owner, this type of product is so much easier than dealing with banks, hands down. I will continue to utilize this type of funding for my business.
My experience with CFC Gold Loans has been outstanding from start to finish. The process was refreshingly simple - no mountains of paperwork, no complicated hoops to jump through. From the moment I applied to when I received my funds, everything moved quickly and efficiently. What really stood out was the customer service. The team was professional, friendly, and always ready to help. They made what could have been a stressful process feel easy and straightforward. I would absolutely recommend CFC Gold Loans to my friends and family. If you're looking for a fast, hassle-free loan experience backed by a company that actually cares about its customers, look no further.
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.
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.
Prefer to speak with someone? Call (800) 232-5767.
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 currency. 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% of the value of 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.
CFC recognizes PCGS and NGC grading and also employs a full-time numismatist on staff.
CFC's in-house numismatist references a variety of sources including leading third-party grading 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. A borrower must be a citizen or legal resident of the United States, or a legal entity or trust formed under state law.
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. CFC loans may be paid off at any time without penalty. Borrowers typically receive a renewal opportunity before maturity.
Loans do not have origination, prepayment, or other fees, with the exception of those associated with late payments. Loans also carry a charge for designated and insured storage.
Rates depend on loan size relative to collateral value and complexity.
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 provide additional loaned funds based upon current market conditions and collateral valuation.
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.
CFC takes physical possession of the borrower's collateral during the loan term. Collateral is stored in Gold.com's depositories in Las Vegas and Dallas. CFC does not lend against metal stored outside the United States.
CFC provides insurance coverage when collateral is shipped via registered mail through the United States Postal Service. Borrowers may also use other recognized national carriers, including UPS or FedEx, at their own cost, or arrange an armored pickup with CFC's assistance.
CFC ships collateral back via recognized national carriers, including 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 hammer price.
Yes. CFC offers dealers competitive financing on their inventories to provide needed liquidity and the ability to quickly swap collateral.
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.
Prefer to talk? Call (800) 232-5767
Commercial and business-purpose loans only. Subject to underwriting and approval.
