Industry guide

Jewellery stores: how the money moves, and what funding fits.

The cash-flow picture, the calendar of pressure points, and the right funding page for the problem in front of you.

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How money moves in a jewellery store

At Merchant Fund Express, this guide sets out how the money moves in jewellery stores, when cash gets tight and which funding structures tend to fit each need.

Most jewellery store owners are not short of work. They are short of cash on the day the bill is due. Reading the two sides of that equation is the first step in choosing the right capital.

Money arrivesIn-store card sales with larger ticket sizes and seasonal gift peaks, plus repair work.

Bills go outHigh-value inventory is bought or consigned months before sale, so a large part of capital sits in the case.

When cash gets tight

Heavy around holidays, Valentine’s and graduations, with long quiet stretches.

A funding decision works best when it starts from the calendar. Here is the usual pattern of pressure for a jewellery store:

Before the busy stretch: line up seasonal inventory before a gift peak and the staffing the demand will need.

Through the middle: Over-buying fast-moving styles that fall out of fashion.

After the peak: fixed costs keep running while sales settle, so the balance of the year is funded from the peak or from a line.

What a jewellery store usually needs capital for

These are the needs we see most often, with the structure that tends to fit each one.

Seasonal inventory before a gift peak

Usually fits: a line of credit or inventory financing.

Display, security or point-of-sale upgrades

Usually fits: equipment financing.

A second counter or online store

Usually fits: a term loan.

What underwriters read on a jewellery store bank statement

Underwriting for revenue-based business funding reads bank activity: deposits, average daily balance, negative days and any open advances. For a jewellery store, the lines that matter are:

Few, larger deposits clustered around holidays

Supplier payments that precede peaks by several weeks

A flat, steady balance rather than a swing to zero between deposits

The usual trap: over-buying fast-moving styles that fall out of fashion. If this is your situation, say so on the application; it is better read as context than discovered as a surprise. See the published requirements for the exact thresholds. The minimum FICO is 500, and the better your credit, the better your offer.

A worked example (illustrative arithmetic only)

Take a jewellery store with about $70,000 in monthly revenue asking for $40,000. These figures are an illustration of how the published terms work, not an offer; your offer shows the actual amount, schedule and total cost before you sign.

Illustration	Figure
Request	$40,000
Monthly revenue assumed	$70,000
Line of credit: 2.49% fee on a single draw of that size	$996
Term loan cap: 15% of annual revenue	$126,000 (this request fits under it)
Merchant cash advance at an example 1.30 factor: total payback	$52,000
… spread over about 26 weeks: weekly remittance	$2,000
… or about 126 business days: daily remittance	$413

Compare any offer on total dollars repaid and on the rhythm of payments, not on a single rate. See the factor-rate calculator to run your own numbers.

Pick the page that matches your problem

Every page below is written for jewellery stores. Start with the problem you have this month.

By product

Merchant cash advance for jewellery stores — A lump sum repaid from future revenue; the fastest route when timing is the problem.

Business line of credit for jewellery stores — Draw when you need it, repay, and draw again; interest only on what you use.

Working capital for jewellery stores — Day-to-day cash for payroll, suppliers and the gaps between invoices and deposits.

Revenue-based financing for jewellery stores — Payments that flex with sales, so a slow week is not a missed payment.

Equipment financing for jewellery stores — Buy or replace the machine that earns its keep, with the asset behind the deal.

Bad-credit business loans for jewellery stores — How files with a weak score are read, and what offsets it.

Same-day funding for jewellery stores — What same-day decision and next-business-day funding mean in practice.

Line of credit vs merchant cash advance for jewellery stores — A side-by-side for this industry when you are choosing between the two.

By situation

Payroll funding for jewellery stores — Cover wages while deposits catch up.

Inventory funding for jewellery stores — Stock up before the demand arrives.

Expansion funding for jewellery stores — A second location, crew or line of business.

Equipment repair funding for jewellery stores — Fix the machine that is costing you every day it is down.

Emergency funding for jewellery stores — Money fast when something breaks or a bill lands.

Slow-season funding for jewellery stores — Bridge the quiet months without cutting staff.

Big-contract funding for jewellery stores — Fund the work before the first invoice is paid.

Cash-flow guide for jewellery stores — How cash actually moves in this business.

Eligibility and the basics

Does a jewellery store qualify? — Eligibility, how files line up, and a worked example.

Jewellery stores funding by state and city — The same industry, state by state.

Do you fund jewellery stores? — The short answer.

What credit score do jewellery stores need? — The short answer on credit.

Common questions

Are jewellery stores eligible for funding?

Yes. Jewellery stores are an eligible industry. Sole proprietors can apply, the minimum FICO is 500, and the better your credit, the better your offer. Details are on the jewellery store qualification page. Merchant Fund Express shows the exact amount, schedule and total cost in your offer before you sign.

How fast can a jewellery store be funded?

A person reviews your revenue, time in business and bank activity, and a decision is typically same day. Approved files are usually funded the next business day. Merchant Fund Express publishes its terms and thresholds before you apply.

Which product usually fits a jewellery store?

It depends on the need. For seasonal inventory before a gift peak, a line of credit or inventory financing tends to fit; for display, security or point-of-sale upgrades, equipment financing. The structure follows the problem, so start from what the money is for.

What do you look at on a jewellery store bank statement?

Deposits and their consistency, average daily balance, negative days and NSFs, and any open advances. Few, larger deposits clustered around holidays.