Frequently Asked Questions

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About CFC

Who is Collateral Finance Corporation (CFC)?

Collateral Finance Corporation (CFC) is a licensed California Finance Lender established in 2005 to offer financing on a wide array of bullion and numismatic products.

We offer flexible revolving lines of credit on collateral held in segregated accounts throughout the United States and around the world in Europe, Singapore, Canada and Hong Kong.

Why CFC?

Collateral Finance Corporation (CFC) is a licensed California Finance Lender established in 2005 to offer financing on a wide array of bullion and numismatic products.

We offer flexible revolving lines of credit on collateral which is held in segregated accounts throughout the United States and around the world in Europe, Singapore, Canada and Hong Kong.

CFC is a wholly owned subsidiary of A-Mark Precious Metals, Inc., a leading full service precious metal trading company serving customers on six continents. A-Mark, founded in 1965, is a Fortune 500 company whose stock is traded on the NASDAQ Global Select Market (NASDAQ: AMRK), with revenues in excess of US $7,000,000,000 annually.

At CFC we are constantly tailoring our services to meet the growing needs of our clients. CFC’s services have grown well beyond secured financing on Precious Metals, U.S. Coins, World Coins, and Paper Currency

As investors and numismatists ourselves we understand your needs. When you establish a revolving line of credit with CFC, you’re not just doing business with us; we are building a client-for-life relationship to meet all your precious metals and numismatic needs.

Does CFC share information with other companies?

CFC does not share your information with its affiliates or any outside parties unless you give us permission to do so. All of your investment information is held in the strictest confidence.

There may be times CFC is compelled by law or the government to share certain information, such as if our records are subpoenaed for a court hearing. We respect our clients’ privacy (see our Privacy Policy ) for more details.

How is CFC related to A-Mark Precious Metals, Inc.?

CFC is a wholly owned subsidiary of A-Mark Precious Metals, Inc. a leading full- service precious metal trading company serving customers on six continents. A-Mark, founded in 1965, is a Fortune 500 company whose stock is traded on the NASDAQ Global Select Market (NASDAQ: AMRK), with revenues in excess of US $7,000,000,000 annually.

Does CFC offer investment advice?

No. CFC is a lender only, and does not offer any investment advice concerning buying, selling, holding or financing precious metals or coins. Please refer to the Terms of Use for more information.

Lending Practices

How do I get started on a loan?

The new loan and storage process is simple and free. To get started contact us via phone (800) 232-5767 or email info@cfccoinloans.com and we’ll walk you through the easy step-by-step process (see New Loan Process). There is no obligation.

What type of collateral do you lend on?

Precious Metals, Bullion and Numismatic U.S. Coins, certain World Coins, and Paper Currency

Do coins need to be graded?

No, However graded coins must be graded by a reputable third party grading company

How much does CFC lend against Bullion products vs. Numismatic products?

We typically lend seventy five percent (75%) of the current spot price on bullion products and up to sixty five percent (65%) on numismatic collateral depending on the rarity of the material.

How does CFC determine the value of the collateral?

CFC uses A-Mark current spot prices to determine the value of bullion products (i.e., gold, silver, platinum, and palladium). The numismatic collateral values are determined by world-renowned numismatists using a compilation of PCGS, NGC, Grey Sheet, Blue Sheet, Auction prices and expert opinion.

Can I get a loan on Auction Purchase?

CFC has a long standing relationship with Stack’s Bower’s Galleries and other leading numismatic auction houses. We often partner with these companies to support their auctions by providing financing for up to 70% of an item’s sale price at attractive interest rates.

Please contact CFC or your preferred auction representative to learn more about the program.

How long does the process take for funding loans?

Typical loan process takes up to 10 days for funding, to get started today (see New Loan Process).

What are the advantages of secured financing for dealers with precious metals, U.S. coins, world coins, and paper currency?

We offer dealers competitive financing on their inventories to provide needed liquidity, the ability to swap collateral quickly, and the unique opportunity to offer their retail customers third party financing for their purchases through CFC.

In addition, we offer dealers competitive financing on their inventories to provide buying power before auctions; this gives them the peace of mind to concentrate on the auction process.

Periodically CFC offers financing specials for individual investors, collectors, dealers, live auction houses, Internet auctions and Institutions (see Auction).

What are the advantages of secured financing for individual investors and collectors with precious metals,U.S. coins, world coins, and paper currency?

We offer individual investors and collector’s competitive financing on their collections to provide needed liquidity, the ability to swap collateral quickly, and a unique opportunity to build and complete their collections.

In addition, we offer individual investors and collector’s competitive financing on their inventories to provide buying power before auctions; this gives them the peace of mind to concentrate on the auction process. After the auction, simply email your auction invoice from an approved auction and we’ll finance up to 70 percent of the invoice

Where are my precious metals, U.S. coins, world coins, and paper currency kept during the period of the loan?

CFC has developed asset safekeeping programs that allow our customers to protect their assets by storing their Precious Metals, U.S. Coins, World Coins, and Paper Currency in any one of our Brinks or Loomis locations throughout the United States or around the world in Europe, Singapore, Canada and Hong Kong.

We will treat your collection with the same care as we treat our own individual collections.

How quickly can I receive my coins or metal after my loan is paid off?

Your collateral will be shipped from the storage facility within 48 hours of receipt of funds or loan being paid off.

If I have a revolving loan with CFC will it cost me anything? Will I have to take a loan out?

No. If you have applied for a revolving loan and completed the new loan process, you will have full access to the revolving line of credit at all times. You can also payoff your line of credit at any time and have your coins or bullion returned to you. The only charges you will incur will be the standard shipping charges and storage fee.

Loan Terms

What is the minimum loan size, and is there a fee?

Minimum loan size is $25,000 and there are no hidden fees.

Secured Bullion Lending
CFC offers safe, secure and insured lending up to $250,000,000 on a wide array of bullion products (i.e., gold, silver, platinum, and palladium.)

Secured Numismatic Lending
CFC offers safe, secure and insured lending up to $10,000,000 on a wide array of numismatic products, U.S. Coins, World Coins, and Paper Currency.

Are loans subject to equity calls if the market drops?

Equity call amounts are formulated after the re-evaluation of your collateral and are based on current market trends and credit conditions. We are happy to allow you to wire a pay down within 24 hours, ship additional collateral, sell collateral or any combination thereof to meet your call.

Can I get an additional advance if the market goes up?

Yes, CFC will address this on a case-by-case basis depending upon your collateral, where you are in your term, loan size, and other relevant factors.

What are the interest rates and terms?

The current market conditions, size of the loan, borrower profile, and the complexity of the collateral determine our interest rates.

Loan terms are (180 days), renewable thereafter. Simple daily interest is charged and payable by the 10th of each month with the principal due at maturity unless renewed.

Call us at (800) 232-5767 for more information on our rates.

Is there a pre-payment penalty?

No, there is never a prepayment penalty, partial principal payments are always allowed prior to your loan’s maturity.

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Contact CFC Today (800) 232-5767 or email us at info@cfcgoldloans.com