FICO 500+ considered. We look at your store's deposits, not just your score. Start with a soft credit pull and a 5-minute application.
Check My OptionsBad Credit Funding for Jewelers
If your store brings in steady deposits, a rough credit stretch doesn't have to close the door. We review the business as it runs today.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Apply in about 5 minutes with roughly three months of statements. No tax returns. Qualified stores funded in as little as 24 hours.
We weigh steady sales deposits alongside credit, so one number doesn't decide everything.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Repayment is laid out in your offer up front so there are no surprises later.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Plenty of solid jewelry stores carry a credit score that doesn't match how the business actually runs. Maybe a slow year after a mall anchor closed, a personal medical bill, or a partner who left debt behind. Banks tend to stop reading at the score. We keep reading, because your bank statements show what your store does every month.
We consider FICO scores from 500. Credit is part of the picture, but it sits next to other factors:
None of these alone decides the outcome. We look at them together.
Depending on your store, we may offer a merchant cash advance, revenue-based financing, working capital or equipment financing. Amounts range from $25,000 to $5,000,000, sized mainly by deposits. Every offer shows the full repayment amount and schedule before you accept.
Funding based on deposits can buy you time while you work on credit. Keep the business account clean, pay vendors on schedule, and keep sales flowing through one account so the pattern is easy to read. Over time, a cleaner account history and improving credit can open up more options for your store, whether you come back to us or look elsewhere. Many owners use this period to separate personal and business spending completely, which makes future reviews simpler.
The application takes about 5 minutes and starts with a soft credit pull, so you can see where you stand without a hard inquiry. We ask for about three months of business bank statements and no tax returns. Sole proprietors can apply. To learn more about what we review, read how jewelry stores qualify, then apply here.
FICO scores from 500 are considered. The score is weighed together with your deposit history and existing obligations.
We start with a soft credit pull, which does not affect your score like a hard inquiry.
We review each application as a whole. Tell us about it in your application so we can consider the full context.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and current obligations.
No. About three months of business bank statements is what we need to start.
Example uses for illustration only.
Honest steps that can strengthen a jeweler's application over time.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding