Merchant Fund Express
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Equipment Financing for Jewelry Stores

Finance laser welders, engravers, 3D printers and new cases without draining your inventory budget. Apply in about 5 minutes.

Finance My Equipment

Jewelry Equipment Financing

Put better tools on your bench and keep cash in the case

In-house repairs and custom design bring customers back. Spread the cost of the equipment that makes them possible.

As fast as
24 hours

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.

Equipment financing made for jewelers

Fast and simple

A 5-minute application, about three months of statements, no tax returns. Qualified stores can be funded in as little as 24 hours.

Flexible on credit

FICO 500+ considered. We look closely at the steadiness of your store's deposits.

Full cost shown first

Your offer lists the full repayment amount before you accept. No surprise costs after you sign.

Predictable payments

The repayment schedule is in your offer up front so you can plan around it.

Payroll before sales come in?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

The tools behind the counter add up fast

Customers see the cases. Owners see the bench: laser welders, rotary engravers, ultrasonic cleaners, polishing motors, CAD workstations, resin 3D printers and casting setups. Add vaults, camera systems and new LED display cases and a jewelry store can easily face a five or six figure equipment bill. Paying cash for all of it drains the money you need for inventory.

Equipment financing spreads the cost so the tool starts earning while you pay for it.

Equipment that pays for itself in a jewelry store

Repair and bench work

A laser welder lets you handle ring sizing, prong retipping and chain repair in house instead of sending work out. Faster turnaround brings repeat customers.

Custom design

CAD software and a 3D printer let you show a client a wax or resin model of their engagement ring before casting. That turns browsers into custom orders.

Showroom and security

Better lighting and cases make stones look their best, and modern security protects the inventory sitting in them.

How we finance it

Apply in about 5 minutes. We review about three months of business bank statements; no tax returns are required, and we start with a soft credit pull. Funding runs from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours. Your offer lays out the full repayment amount and schedule before you accept.

If the equipment broke unexpectedly, our page on jewelry store equipment repair funding covers that situation.

Buying versus waiting

Many jewelers put off equipment for a year because the cash is earmarked for inventory. That delay has a cost: repairs keep going out to a trade shop, custom clients wait longer for models, and margins on bench work go to someone else. Financing lets you match the payment to the revenue the tool brings in, so your inventory budget stays intact for the holidays.

Who qualifies

We work with established jewelry stores that have steady deposits. FICO scores from 500 are considered, and sole proprietors are welcome to apply. Expanding into a second location or adding a design studio? See expansion funding for jewelry stores, or go straight to the application.

Frequently Asked Questions

What equipment can a jewelry store finance?

Bench tools, laser welders, engravers, CAD and 3D printing setups, casting equipment, display cases, safes and security systems are all typical examples.

Can I finance used equipment?

Tell us what you are buying in your application. We review the request along with your deposit history.

Do I need a quote from the vendor?

Having a quote or invoice handy helps us understand the purchase, though the main review is based on your bank statements.

What credit score do I need?

FICO scores from 500 are considered. Your steady deposits matter as much as the score.

Will I know the total cost?

Yes. Your offer shows the full repayment amount and the schedule before you accept.

Laser welder $32,000.00
3D printer + CAD $14,000.00
Display cases $27,500.00
Security system $19,000.00

Example uses for illustration only.

How to improve your chances

Prepare these before you apply to keep things moving.

  • Get a written quote for the equipment you want
  • Gather your last three months of business statements
  • Note how the tool will add revenue or cut outsourcing
  • Keep your business account free of overdrafts

Equipment financing: us vs. a bank

Merchant Fund Express
Traditional bank loans
Application time
About 5 minutes
Lengthy loan packet
Tax returns
Not required
Usually two or more years
Credit
FICO 500+ considered
Strong credit expected
Speed
As little as 24 hours if qualified
Several weeks typical
Initial check
Soft credit pull
Hard credit pull

Upgrade your bench this season

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
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