Business funding for jewelry stores
Jewelry inventory is expensive relative to store size, and a large share of annual sales can land in a few weeks around the holidays and engagement season. Security and insurance costs run year-round whether or not the display cases are full, which is where a lot of jewelry store funding gets used.
- One application, several lenders
- No credit pull to see your options
- No fee to you, ever
Common funding needs
- Buying inventory ahead of the holiday and engagement season
- Upgrading security systems, safes or alarm monitoring
- Covering rent and payroll through a slower month
- Renovating the showroom or display cases
What usually fits
Products that usually fit
- Working capital for a seasonal inventory buy before the holidays.
- Merchant cash advance for an urgent need, repaid from daily card sales.
- Equipment financing for safes, security systems and display cases.
- Line of credit for the gap between the holiday season and slower months.
How a merchant cash advance works for you, and when it is too expensive
A jewelry store's MCA holdback is taken as a fixed percentage of daily card sales, which can be very high during the holiday and engagement season and much lower the rest of the year. At an illustrative factor of 1.15–1.45, a $25,000 advance costs $28,750–$36,250 in total, regardless of whether it is repaid during a strong December or a quiet spring.
Because sales are so seasonal, compare the total cost with a line of credit that can flex down in the slower months, rather than a fixed daily debit taken from a much smaller sales base.
Compare term loans, lines of credit, cash advances and equipment financing side by side →
Separately, our sister company CELER Merchants offers card processing.
Illustrative example
A worked example
A jewelry store buys $40,000 of inventory ahead of the holiday season, repaid over 10 months as working capital at an illustrative 10–20% a year. Payments come to about $4,186–$4,376 per month, or $41,856–$43,758 in total.
The same $40,000 as a merchant cash advance at an illustrative factor of 1.20–1.35 means paying back $48,000–$54,000 from daily card sales, usually within 6 to 9 months.
Illustrative example only, not an offer or a quote. Rates, fees and terms are set by each lender and depend on your business. Fees are not included unless stated.
Underwriting
What lenders look at
- Monthly card deposits, including the holiday-season spike and the slower months after
- Inventory value and turnover
- Security systems and insurance coverage in place
- Existing cash advances or daily debits
- Owner credit
Honestly
Who this is not for
- A store that has not opened yet: most lenders want deposit history
- Buying more inventory than the store's typical holiday sell-through supports
- Stacking a second advance while still repaying the first
If borrowing does not make sense, we will say so.
Are you a match?
Lender network minimums
Close but not quite there? Apply anyway and we will tell you honestly what is possible.
*Best available terms from lenders in our network. Every lender sets its own criteria; approval, amount and funding time are decided by the lender and not guaranteed.
| Time in business | 1 year+ |
|---|---|
| Monthly bank deposits | $20,000+ |
| Credit score | 500+ |
| Bank account | Business |
| Fee to you | $0 |
| Credit pull to start | None |
FAQ
Jewelry stores funding questions
Do lenders expect a big holiday sales spike?
Yes, most look at a full year of deposits so the seasonal pattern around the holidays and engagement season is visible rather than judging a quiet month alone.
Can I finance a safe or security system?
Yes, usually through equipment financing, and insurers sometimes require a certain standard of security before covering high-value inventory.
Is inventory itself used as collateral?
Some lenders may consider it, but most jewelry store funding is based on cash flow and deposits rather than the inventory's resale value.
Can I get funding to buy inventory before the holidays?
Yes, working capital timed to arrive before the season is one of the most common uses for this trade.
Guides
Guides for jewelry stores
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Where we work: all US states · all Canadian provinces
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