Collateral Finance Corporation

What Collateral Finance Corporation does

Collateral Finance Corporation (CFC), doing business as CFC Gold Loans, is a California-licensed commercial finance lender founded in 2005 that specializes in asset-backed loans secured by precious metals and numismatic products. The company extends interest-only, fixed-rate commercial loans ranging from $25,000 to $5 million, with typical loan-to-value ratios of up to 75% for bullion (gold, silver, platinum, palladium) and up to 65% for numismatic coins and paper currency, and standard 180-day terms with renewal options. Collateral is custodied at UL-certified facilities operated by Loomis (Las Vegas) and Brinks (New York), with international storage available through affiliated entities in Canada, Switzerland, and Singapore, and all pledged assets are insured through Lloyd's of London. CFC also offers auction financing up to 70% of hammer price through a partnership with Stack's Bowers Galleries, and a dealer-financing program that provides inventory liquidity and white-label retail customer financing for precious-metals and numismatic dealers.

CFC operates as a wholly owned subsidiary of Gold.com, Inc. (NYSE: GOLD), an integrated alternative-assets platform that also owns JM Bullion, embedding CFC within a broader precious-metals ecosystem for cross-referral and balance-sheet support. The technology backbone is a proprietary online lending portal (portal.cfcgoldloans.com) that handles applications, document submission, shipping coordination, and account management for individual, joint, corporate, and trust borrowers, with inside-sales support via phone and email. The company does not operate a mobile application, expose APIs, or disclose AI/ML-driven underwriting, and collateral valuation for numismatics relies on an in-house numismatist rather than automated models. Marketing and origination run through the corporate website, online portal, inside-sales team, dealer referral network, and the Stack's Bowers auction channel.

The revenue model is built on net interest income from commercial loans, supplemented by recurring storage fees on the full value of pledged collateral and transaction-based auction-financing fees. CFC charges no origination, prepayment, or application fees, and rates are priced off market trends, loan-to-value, collateral complexity, and borrower payment history. The customer base spans HNW individuals holding bullion, numismatic collectors, dealers, and auction buyers — primarily in the United States and Canada — with the company explicitly restricting site usage from the European Economic Area.

Name

Collateral Finance Corporation

Legal name

Collateral Finance Corporation

Website

https://cfcgoldloans.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

Collateral Finance Corporation, founded in 2005 and a wholly owned subsidiary of Gold.com, Inc. (NYSE: GOLD), provides asset-backed commercial loans secured by precious metals and numismatic products. The firm serves high-net-worth individuals, bullion and coin dealers, and auction buyers through its online lending portal and dealer and auction-house partnerships.

Ownership category

akta.pro rank

Product category

Specialty Collateral Lending

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Precious Metals & Jewelry Collateral Loans (FSAKALAC)

akta.pro secondary industries

General Merchandise Collateral Loans (FSAKALAE), Collateral-Based Lines of Credit (Secured Revolving) (FSAKALAH), Luxury Pawn & Collateral Lending (Watches/Jewelry) (CRAKAKAG)

Keywords

• Precious metals lending
• Numismatic financing
• Collateralized commercial loans
• Gold and silver loans
• Auction financing services

Headquarters

HQ city

El Segundo

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. Loan Interest Income: CFC generates primary revenue through interest charges on loans. Interest is calculated daily based on a 360-day calendar year and billed monthly. Rates are determined by market trends, loan size relative to value, collateral complexity, and borrower payment history. Loans are interest-only with fixed rates for the term.
2. Storage Fees: Storage charges apply on the full value of collateral held at CFC's secure depositories. Collateral is stored at Loomis (Las Vegas) and Brinks (New York) facilities, with international options through affiliated companies in Canada, Switzerland, and Singapore.
3. Auction Financing: CFC provides financing for auction purchases through Stack's Bowers Galleries partnership, offering loans up to 70% of hammer price with introductory rates for first-time borrowers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Collateral Finance Corporation is a specialty finance lender that provides commercial loans secured by physical precious metals (gold, silver, platinum, palladium) and numismatic assets (US coins, world coins, paper currency). Loan sizes range from $25,000 to $5 million with typical loan-to-value ratios of 75% for bullion and 65% for numismatic items, funded through an online application portal with collateral stored at secured depositories and fully insured through Lloyd's of London.

Product overview

Collateral Finance Corporation offers a unified lending platform built around four core products: Bullion Loans (gold, silver, platinum, palladium at up to 75% LTV), Numismatic Loans (coins and currency at up to 65% LTV), Auction Financing (up to 70% of hammer price for auction purchases), and Dealer Financing (inventory-based lending for dealers). All loans are accessed through an online application portal at portal.cfcgoldloans.com, with collateral stored at UL-certified facilities secured by Loomis or Brinks, and insurance provided through Lloyd's of London. The company operates as a subsidiary of Gold.com, Inc. (NYSE: GOLD), with loans starting at $25,000, typical terms of 180 days, and no origination or prepayment fees.

Differentiator

Problem solved

Functional benefit

Products and services

• Bullion Loans Lending product secured by physical gold, silver, platinum, and palladium bullion with typical loan-to-value of 75% based on dynamic daily spot-price valuations. Loans range from $25,000 to $5 million, are interest-only with fixed rates for the term, and require no origination or prepayment fees. For commercial-purpose borrowers seeking liquidity against appreciated precious-metal holdings without triggering taxable sales.
• Numismatic Loans Lending product secured by US coins, world coins, and paper currency with typical loan-to-value of 65% based on current auction valuations. CFC employs a full-time in-house numismatist for independent collateral appraisal. Available to commercial-purpose borrowers and dealers needing working capital against collectible coin and currency holdings.
• Auction Financing Financing for numismatic auction purchases offered in partnership with Stack's Bowers Galleries. Loans of up to 70% of hammer price, with introductory rates available for first-time borrowers. Funds auction-buyer settlements directly through the auction house channel.
• Dealer Financing Inventory-based lending program for precious-metals and numismatic dealers, providing working capital on dealer inventories of precious metals, US coins, world coins, and paper currency. Supports quick collateral swaps as inventory turns and enables dealers to offer third-party retail-customer financing through CFC.

Quantifiable outcome

• Over $300 million in loans extended to date
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core, flagship and minor.

• Gold.com, Inc. (NYSE: GOLD)coreOthersGold.com, Inc. is the parent company of CFC. CFC is a wholly owned subsidiary of Gold.com, Inc., an integrated alternative assets platform offering extensive range of precious metals, numismatic coins, and collectibles to consumers, collectors, and institutional clients worldwide. Gold.com is a Fortune 500 listed company on NYSE.
• Stack's Bowers GalleriesflagshipStrategic or Co-development PartnerLong-standing partnership with America's oldest numismatic auction house. CFC offers financing for coins and currency sold through Stack's Bowers auctions, providing up to 70% of hammer price. The partnership targets auction buyers needing financing for numismatic purchases.
• Lloyds of LondoncoreOthersInsurance policies through Lloyds of London cover all collateral stored at CFC's storage locations. All assets are fully insured up to their full replacement value under the terms of the insurance policy.
• LoomiscoreOthersLoomis manages the Las Vegas storage facility for CFC collateral. One of two primary storage providers for pledged precious metals.
• BrinkscoreOthersBrinks manages the New York storage facility for CFC collateral. One of two primary storage providers for pledged precious metals.
• JM BullionminorOthersJM Bullion is a leader in online precious metals and a subsidiary of Gold.com, Inc. Referenced as related entity in CFC's ecosystem.
• United States Postal Service (USPS)minorOthersCFC ships collateral via USPS with provided insurance coverage. Standard shipping option for borrowers.
• UPSminorOthersCFC ships collateral via UPS with provided insurance coverage. Alternative shipping option for borrowers.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Asset Strategies International: Asset Strategies International offers precious metals IRA services, bullion sales, and secured lending against gold/silver/coins. Highly comparable to CFC's collateral-based lending model targeting HNW precious metal holders seeking liquidity without selling.
• GoldMoney: GoldMoney provides online precious metals trading, custody, and lending services to individuals and businesses globally. Directly comparable to CFC as a specialized secured lender against physical bullion holdings.
• Euro Pacific Bank: Euro Pacific Bank offers precious metals custody and lending services, often via Schiff Gold affiliate. Competes with CFC in the secured lending against physical bullion space, particularly for HNW clients seeking offshore storage.
• Hard Asset Management International: Hard Asset Management provides precious metals loans and coin/bullion secured financing, targeting similar HNW and collector segments as CFC. Operates as a direct competitor in the collateral-based lending niche.
• Blanchard and Company: Blanchard is a major precious metals dealer that also offers financing solutions and collateralized lending against gold and rare coins. Comparable to CFC's dealer financing and numismatic lending products.

Emerging players

• JM Bullion: JM Bullion is one of the largest online precious metals retailers and a sibling company to CFC under Gold.com, Inc. While primarily a retailer, it offers payment-plan financing that partially overlaps with CFC's dealer financing program.
• GoldSilver.com: Founded by precious metals analysts Mike Maloney, GoldSilver is a retail precious metals platform with storage and IRA offerings. Adjacent to CFC's borrower base and competitive for HNW customer wallet share.
• Provident Metals: Provident Metals is an online precious metals retailer serving similar HNW collector/investor demographics as CFC. Represents both a competitor for retail bullion customers and a potential dealer financing partner.

Broad incumbents

• APMEX: APMEX is one of the largest U.S. precious metals retailers with established storage and IRA services. While primarily retail, its scale and customer base represent both competitive overlap and potential dealer partnership opportunity for CFC.
• Wells Fargo (Precious Metals Custody): Wells Fargo and other major U.S. banks offer gold storage and limited secured lending for institutional and ultra-HNW clients. Represents broad competitive pressure and an institutional benchmark for collateralized precious metals finance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/c-level-consulting

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Collateral Finance Corporation